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Title loans in Missouri

Title loans for bad credit in Missouri

Title loans are allowed in Missouri from state-licensed lenders (Title Loan license). Here are the limits Missouri law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Missouri guide

What Missouri law allows

Title loans in Missouri
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4][5] AllowedNo rate limit in state law No rate limit Up to $5,000 At least 30 days Title Loan license Mo. Rev. Stat. Chapter 367, sections 367.500 to 367.533; licensing qualifications at 367.506 and 367.509; interest and fees at 367.515
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Rate cap
Title lenders contract for simple interest and fees under 408.100 and 408.140 (367.515); 408.100 allows interest at rates agreed to by the parties, so there is no numeric APR cap. On the third and later renewals the borrower must reduce principal by 10%.
License
Title Loan license under Mo. Rev. Stat. 367.500-367.533, issued by the Missouri Division of Finance; applicant must maintain at least $75,000 in capital and post a $20,000 surety bond per location.

Full detail for every loan type: Missouri lending laws.

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Rent and jobs in Missouri

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Missouri
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[6]$1,154FY2026
Unemployment rate[7]3.5%2026-08

Other options in Missouri

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Missouri.

Other loan types allowed in Missouri

See every loan type Missouri law allows.

Title loans in nearby states

  • IllinoisAllowedHigh-cost loan 36% APR
  • ArkansasNot allowed Not allowed
  • IowaAllowedHigh-cost loan 21% APR
  • KansasAllowedNo rate limit in state law No rate limit
  • OklahomaAllowedHigh-cost loan Limit depends on loan size

Sources

  1. Justia. law.justia.com/codes/missouri/title-xxiv/chapter-367/section-367-506. Retrieved September 23, 2026.
  2. Justia. law.justia.com/codes/missouri/title-xxiv/chapter-367/section-367-509. Retrieved September 23, 2026.
  3. revisor.mo.gov/main/OneSection.aspx. Retrieved September 23, 2026.
  4. Justia. Mo. Rev. Stat. Chapter 367, sections 367.500 to 367.533. Retrieved September 23, 2026.
  5. finance.mo.gov. Missouri Division of Finance. Retrieved September 23, 2026.
  6. National Low Income Housing Coalition. Out of Reach 2026: Missouri. Retrieved September 23, 2026.
  7. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Missouri. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Missouri? Contact the Missouri Division of Finance or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.