Easiest Way to Get Cash
" It's the easiest way to get cash when you need it. I've used Minute Loan services for almost 7 years and they have never turned me away. Great service and great employees... "
Compassionate Service
" They were very patient with me when I got behind on my payments, they just needed me to keep them updated. "
Excellent Customer Service
" The Customer Service is excellent. They treated me like a person, not a number. "
Ways to Get the Funds You Need
Minute Loan Center’s personal loans are available online 24/7. Apply now to get a fast, cash loan.
Our application process is simple and fast. It should take only a few minutes to fill in your details and create a Minute Loan Center account. The account serves as the basis for our interaction with you, and a customer representative should contact you promptly.
When you need funds urgently, Minute Loan Center is a reliable source of the funding you need. You do not have to worry about qualifying for a loan with bad credit or failure to meet some stiff requirements. We have a high approval rate, and you are more likely than not to qualify for our generous online loans in Missouri.
Minute Loan Center offers you these funding options:
Installment Loans
Our Missouri personal loans offer up to $2,500 with flexible repayment terms of up to 9 months. It offers low interest rates and the ability to obtain more frequent advances if needed.
Installment Loans are the go-to solution for your borrowing needs with low rates and flexible repayment options.
Learn more about our Missouri Installment Loans
Use an Installment Loan for:
- Consolidating several smaller loans into one easy payment
- Help with buying furniture, electronics, or appliances instead of renting them
- Assistance with down payments for cars, housing, or other big purchases
- Help with unexpected bills
- Home repair or home improvement projects
- Anything you need extra cash for
Apply for a Missouri online Loan and meet your financial needs today.
MLC Missouri Personal Loans Provide Better Options
| Product | Team | Access to Credit | Repayment |
|---|---|---|---|
Installment Loan | Fixed Term | Fixed Amount | Fixed Payments |
Payday Loan | Fixed Term | Fixed Amount | Fixed Payments |
Title Loan | Fixed Term | Fixed Amount | Fixed Payments |
Minute Loan Center Itemization of Charges – Revolving Credit (November 6, 2020)
| Interest Rates and Interest Charges | |
|---|---|
Annual Percentage Rate (APR) for Advances | For balances up to $5,000, between 179.00% and 701.5625%, depending on your creditworthiness. |
Paying Interest | We will begin charging interest on advances on the transaction date. |
Installment Loan Fee Schedule
As of November 6, 2020
Amount
Financed
# of
Payments
Amount Financed
Payment
Frequency
Payment
Amount
Interest
Total
Total Loan
Amount
APR
$200.00
20
Weekly
$21.18
$224.01
$424.01
443.83%
$500.00
30
Weekly
$47.92
$938.59
$1,438.59
459.06%
$1,000.00
40
Weekly
$88.71
$2,548.83
$3,548.83
443.88%
$200.00
10
Biweekly
$43.04
$230.51
$430.51
443.89%
$500.00
15
Biweekly
$96.71
$951.08
$1,451.08
459.04%
$1,000.00
20
Biweekly
$178.34
$2,567.70
$3,567.70
443.88%
$200.00
10
Semi-Monthly
$45.28
$253.02
$453.02
443.89%
$500.00
14
Semi-Monthly
$104.78
$966.94
$1,466.94
459.69%
$1,000.00
18
Semi-Monthly
$194.45
$2,501.12
$3,501.12
444.83%
$200.00
5
Monthly
$93.47
$267.42
$467.42
445.00%
$500.00
7
Monthly
$213.93
$997.67
$1,497.67
460.62%
$1,000.00
9
Monthly
$394.33
$2,549.11
$3,549.11
445.61%
Example assumes exact period terms for each pay cycle. The finance charge includes fees charged based on a Tiered Contractual APR which can range between 319% to 539%.
Examples listed MAY have an OPTIONAL fee assessment for ACH services of $1.00. See associate for details.
Examples listed MAY have an OPTIONAL fee assessment for Minute Money services of $9.95. See associate for details.
Minute Loan Center reserves the right as outlined in the loan agreement that in the event a payment of $25.00 or less is late by 15 days or more, you will be charged $5.00. If a payment that exceeds $25.00 is late by 15 days or more, you will be charged the greater of $15.00 or 5% of the payment (maximum $50.00).
Minute Loan Center reserves the right in the event your payment is refused by a financial institution, you agree to pay us a $25.00 handling fee plus any charges assessed by the institution that refused payment.
Examples are assumed based on exact on-time payments. Finance charges will differ from examples if payments are made before the scheduled due date or after the scheduled due date.
* Certain limitations apply. All loans subject to approval pursuant to Minute Loan Center underwriting criteria. Minute Loan Center does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity Services Inc. Due to state and verification requirements, not all applicants for on-line request may be eligible for on-line approval by Minute Loan Center. Some customers applying for Minute Loan Center loans may be required to submit additional documentation due to state law and qualification criteria. See your local store for more details and additional disclosures or visit the Products page for more details.
** Terms and conditions apply. In-store cash pickup not available in all states. Checks or alternative funding options are available and may be issued instead of cash. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two business days. Terms and actual APR may vary based on various factors such as state, loan term, loan product type, additional fees and/or other underwriting considerations including credit qualification on certain products.
License/Registration
Applying for a loan is easy. It only takes a minute or two - and it won’t hurt your credit.
Your application is reviewed within minutes. Most of the time, it’s a YES.
Move over same-day loans. Approved loans are funded immediately.
Frequently Asked Questions
Our requirements are easy to meet. For example, you must be a Missouri resident, be 18 years or older, be gainfully employed, have a bank account, and agree to our terms and conditions. Most applicants meet these requirements, which explains our high approval rate.
Getting Started is Easy!
With just a few buttons, you can establish your credit limit and view your Missouri online loans’ offers and terms – without a hard credit check or impacting your credit score.
The MLC App gives you VIP Access!
Enjoy all the benefits of being a VIP with the Minute Loan Center app for iOS and Android. You can manage your account, get exclusive coupons and earn rewards. Install it now!
Disclaimer: Loan approval and terms are subject to verification of application information, underwriting review, and compliance with applicable state law. Not all applicants will qualify for the lowest advertised rates or for same-day funding. Funding times may vary based on bank processing schedules and customer verification requirements. Fees, repayment terms, and product availability differ by state. Please review your loan agreement carefully for complete terms and conditions. Please borrow responsibly. Loans are intended for short-term financial needs and are not a long-term financial solution. This content is for educational purposes and does not constitute an offer to lend or a solicitation in any state where we are not licensed.