Installment Loans in Missouri

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Online Installment Loans Missouri

MoneyKey is a reliable, state-licensed direct lender for online installment loans in Missouri. Our online application process only takes a few minutes to complete. If approved, you can have money deposited into your bank account the next business day*.

Whenever you need money to pay for unexpected expenses, MoneyKey can help you borrow funds in Missouri. We have a friendly and knowledgeable Customer Care team working 7 days a week to answer any loan-related questions you may have throughout the borrowing and repayment process.


Loan Amount: $200 to $2,000

Loan Type: Installment Loan

Loan Term: ~12 months

Funding: 1 business day*

Pre-Payment Available: Yes

How It Works

1. Submit Your Application

2. Get Approved

3. Get Money The Next Business Day*

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Loan Details

Loan Amount

The amount you can borrow will range between $200 and $2,000. After we review your application, we’ll let you know how much you qualify for.

Cost of Loan

Interest will be charged on your MoneyKey Missouri Installment Loan, with a maximum annual percentage rate (APR) of 295%. The APR is the cost of credit expressed as a yearly rate. The APR, repayment amount and payment schedule will vary depending on the specific details of your loan, which are available in your loan agreement.

This loan is an expensive form of credit and is not intended to meet long-term financial needs. MoneyKey urges you to use this product responsibly.

Term of Loan

Your loan payments typically start on your next pay date and run for approximately 12 months. If you are paid monthly, you’ll have 11 scheduled installments. If you are paid weekly, bi-weekly, or semi-monthly, you’ll have 23 scheduled installments.

Here are some examples:

In this example, the APR is 291.19% for a $1,000 Installment Loan with an Effective Date of 08/13/2020, payable in 23 bi-weekly installments.
  Annual Percentage Rate Finance Charge Amount Financed Total of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment Date Payment Amount
08/27/2020 $122.68
09/10/2020 $122.68

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In this example, the APR is 291.89% for a $1,000 Installment Loan with an Effective Date of 09/16/2020, payable in 11 monthly installments.
  Annual Percentage Rate Finance Charge Amount Financed Total of Payments
The cost of your credit as a yearly rate


The dollar amount the credit will cost you


The amount of credit provided to you on your behalf.


The amount you will have paid after you have made all payments as scheduled


Payment Schedule

Payment Date Payment Amount
10/02/2020 $238.79
11/04/2020 $238.78

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State License

MoneyKey is a state-licensed direct lender in Missouri. Loans are funded by MoneyKey – MO, Inc. and governed by all applicable laws.

Click image below to view our Missouri license.

Missouri state license

Online Installment Loans in Missouri: Frequently Asked Questions

  • How do I qualify for a loan?

    To qualify for a MoneyKey Installment Loan in Missouri, you must:

    • Be at least 18 years old
    • Be a US citizen or a permanent resident
    • Be a resident of Missouri
    • Have an active bank account
    • Have a regular source of income
    • Have a valid contact number and an active email address

    Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

  • Is this a payday loan?

    No, this is not a payday loan. A payday loan is a short-term loan where you are typically required to pay back the loan in full on your next payday. This is an installment loan, which is different because unlike a payday loan, no lump-sum payment is required. With an installment loan, you pay back the loan in installments over time until it is paid off.

  • How long will it take to get funds?

    For details on specific funding cut-off times, visit MoneyKey’s FAQs here.

  • Can I pay my loan off early?

    Yes, and there’s no penalty to pay off your Missouri Installment Loan earlier than scheduled. If you’d like to make an early payment, or a larger payment to pay down more of your principal, you may do so by calling us at 1-866-255-1668 or email Paying off your loan early may reduce the total finance charges you’ll pay.

  • I don’t live in Missouri, can I still apply for an online installment loan?

    To be eligible for a Missouri Installment Loan, you need to be a resident of Missouri. Whether you live in the busy cities of St. Louis or Kansas City, or in a quiet town like Joplin, we make applying for online Installment Loans in Missouri fast and secure. If you live in another state, please check our rates page to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.

Have more questions? Please refer to our general FAQs page or contact our Customer Care team at 1-866-255-1668.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

Applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow will be responsible for underwriting, approving and funding the CC Flow Line of Credit. The CC Flow Line of Credit is available through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Business Oversight pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.