Flexible Online Loans in Columbia, Missouri
$100 – $5,000

Need a Hand in Columbia? We Help You Find a Loan Fast

Connect with local and national lenders serving Boone County. Simple online form, fast responses, and no standing in line on Broadway.

Fast Online Process High Approval Rates Secure & Confidential
Check Your Eligibility
Fast
Response Times
Simple
3-Step Process
Secure
256-bit Encryption
Secure SSL Encryption
OLA Member Compliant
Trusted Matching Service
Missouri Financial Standards

How It Works

Get the funds you need in a few simple steps

1

Request Online

Fill out our secure online form with your basic information and loan needs. It takes only a few minutes to complete from your phone or computer.

2

Instant Connection

Our system scans our network of lenders to find a match. You'll receive a decision in minutes without visiting a storefront.

3

Review & Sign

If connected, review your lender's terms, APR, and repayment schedule. If you agree, sign electronically to finalize the loan.

4

Receive Funds

Once approved, funds are typically deposited into your Columbia bank account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through major bureaus or alternative providers (like Teletrack or DP Bureau) to determine eligibility. Submitting a request through this site does not guarantee you will be matched with a lender or approved for a loan.

Loan Information

Loan Details

Loan Amounts

$100 to $5,000

Loan Terms

14 days to 24 months

APR Range

200% - 1,500% (varies by loan type and lender)

Types of Loans Offered

Payday Loans Installment Loans Cash Advances Personal Loans

Eligibility Requirements

  • At least 18 years of age
  • U.S. Citizen or permanent resident
  • Active checking account
  • Regular source of income
  • Valid email and phone number

Required Documents

  • Valid Government ID
  • Recent pay stub or proof of income
  • Bank account statement
  • Social Security Number

Why Choose Us

Local Relevance

Designed specifically for Columbia and Mid-Missouri residents who need quick financial alternatives.

24/7 Availability

Our online platform is open 24 hours a day, so you can request funds whenever the need arises, even on weekends.

High Security

We utilize 256-bit encryption technology to keep your sensitive personal and banking information safe.

No Paperwork

Our digital process eliminates the need for faxing or mailing documents in most cases.

Transparent Terms

Review all interest rates, fees, and repayment schedules before you commit to any loan agreement.

Fast Funding

Once your loan is finalized, lenders typically deposit your cash directly into your account by the next business day.

What Our Customers Say

Saved me from a late fee

I needed $400 for a car repair right before my shift at the hospital. The online form was easy and I got matched with a lender that deposited the money the very next morning. Very grateful.

Marcus Thompson ·Columbia, MO

Simple process

Not the cheapest way to borrow, but when you need cash fast in Mid-Mo, this is way better than driving all over town. Everything was handled on my phone.

Sarah Miller ·Ashland, MO

Fast approval

I was worried about my credit score after a rough year, but I was still able to get a small $300 loan to cover my utilities until payday. The terms were clear.

David Hernandez ·Columbia, MO

Good service

The site was easy to use. I liked that I didn't have to fax anything. Just used my bank login to prove my income and it was done.

Elena Richardson ·Boonville, MO

Mizzou student budget help

I'm a grad student and had an unexpected medical bill. This helped me bridge the gap until my next stipend check arrived. The lender called me within an hour to verify details.

James Patterson ·Columbia, MO

Professional and quick

I've used other sites before that felt sketchy, but Columbia Quick Loans felt professional. They matched me with a legitimate lender and the process was seamless.

Linda Wu ·Centralia, MO

Payday Loan and Cash Advance Stores in Columbia, Missouri

Borrowers in Columbia can visit these local storefronts for immediate financial assistance or apply online through our matching service to quickly find a lender that meets their specific needs from the comfort of home.

LendNation

Address 213 Business Loop 70 E, Columbia, MO 65203
Type Payday Loans
Phone (573) 875-5611
Hours Mon-Fri 9:00am-6:00pm, Sat 9:00am-1:00pm

Missouri Title Loans, Inc.

Address 614 Business Loop 70 W, Columbia, MO 65203
Type Title Loans
Phone (573) 874-6839
Hours Mon-Fri 10:00am-6:00pm, Sat 10:00am-5:00pm

Check 'n Go

Address 805 E Nifong Blvd Ste E, Columbia, MO 65201
Type Payday Loans
Phone (573) 442-2434
Hours Mon-Fri 10:00am-6:00pm, Sat 10:00am-2:00pm

Advance America

Address 300 E Ash St, Columbia, MO 65201
Type Cash Advance
Phone (573) 449-8550
Hours Mon-Fri 10:00am-6:00pm

Check Into Cash

Address 207 N Providence Rd Ste D, Columbia, MO 65203
Type Payday Loans
Phone (573) 442-2274
Hours Mon-Fri 10:00am-6:00pm, Sat 10:00am-3:00pm

TitleMax Title Loans

Address 1102 Business Loop 70 E, Columbia, MO 65201
Type Title Loans
Phone (573) 443-1845
Hours Mon-Fri 9:00am-6:00pm, Sat 10:00am-2:00pm

Security Finance

Address 1414 Interstate 70 Dr SW Ste C, Columbia, MO 65203
Type Cash Advance
Phone (573) 443-0065
Hours Mon-Fri 8:30am-5:30pm

Tower Loan

Address 3200 Penn Terrace Ste 120, Columbia, MO 65202
Type Cash Advance
Phone (573) 886-2112
Hours Mon-Fri 8:30am-5:30pm

Republic Finance

Address 3101 W Broadway Ste 103, Columbia, MO 65203
Type Cash Advance
Phone (573) 227-5103
Hours Mon-Fri 8:00am-5:00pm

Walmart Money Center

Address 415 Conley Rd, Columbia, MO 65201
Type Check Cashing
Phone (573) 499-4935
Hours Mon-Sun 6:00am-11:00pm

Columbia Community Profile

Columbia, Missouri, serves as a significant regional hub for education, healthcare, and research, anchored by the University of Missouri and several major hospital systems. While the city maintains a stable economy and a low unemployment rate, its demographic profile is heavily influenced by a large student population and a significant service-sector workforce. With a poverty rate reaching 20%, many residents face a high cost of living relative to entry-level wages, leading to a potential reliance on short-term lending options to manage seasonal financial shifts, educational expenses, or unexpected medical costs.

127,200
Population
$64,488
Median Income
20.0%
Poverty Rate
2.4%
Unemployment
Means of Transportation to Work
Drove Alone 74.1%
Carpooled 7.6%
Public Transit 1.3%
Walked 4.6%
Work from Home 9.6%
Other 2.8%
Class of Worker
Private Wage & Salary 69.1%
Government 26.2%
Self-Employed 4.6%
Unpaid Family 0.1%
Household Income Distribution
Under $25K 24.2%
$25K - $50K 17.8%
$50K - $75K 16.5%
$75K - $100K 11.2%
Over $100K 30.3%

Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates; Bureau of Labor Statistics, December 2024

Frequently Asked Questions

Are payday loans legal in Columbia, MO?
Yes, payday loans are legal in Columbia and throughout Missouri, governed by MO Rev Stat § 408.500. The state sets specific caps on the total interest and fees lenders can charge.
How much can I borrow in Missouri?
In Missouri, the maximum amount for a single payday loan is $500. However, for installment loans or personal loans, you may be eligible for higher amounts depending on the lender's criteria.
Can I get a loan with bad credit?
Many lenders in our network look past traditional credit scores. They often focus on your income and employment stability rather than just your credit history.
What is the maximum term for a payday loan in MO?
The minimum term for a payday loan in Missouri is 14 days, and the maximum term is 31 days. For longer needs, consider an installment loan.
How quickly will I get my money?
After you are connected with a lender and sign the agreement, funds are typically sent via ACH transfer and are often available in your account by the next business day.
Do I need to visit an office in Columbia?
No. Our process is 100% online. You can request a loan from the comfort of your home in Columbia, whether you're near the Mizzou campus or out by the Columbia Mall.
What happens if I can't pay on time?
If you anticipate a late payment, contact your lender immediately. Missouri law allows for up to six renewals (rollovers) of a payday loan, but the principal must be reduced by at least 5% with each renewal.
Is my information secure?
We use industry-standard 256-bit SSL encryption to ensure that your personal and financial data remains confidential and protected during the transmission to our lender network.

Ready to Get Started?

Need cash by tomorrow? Start your request now to get a decision in minutes.

Check Your Eligibility