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Columbia MO Payday Loans

As a town of many industries, Columbia, Missouri has a bigger need than most for the payday loans industry. The city was hit hard by the Great Recession, more so than other comparable cities. However, because of the structure of the financial industry within the city at that time, people were able to easily switch from their traditional banks, which abandoned most of their clients, for the lending industry, which was much more appreciative of the business. The payday loans companies in Columbia are much more tied to the local community than the larger banks that simply had branches in town. Columbia small businesspeople and individuals in need of personal loans found a process that was much easier to deal with than the constant red tape of the larger, traditional banking structure. Many payday loans companies have financial solutions that are not available in the traditional banking structure. The right loan company can be quite helpful because they are more flexible than a normal bank.

Many financial experts actually say that you should create a relationship with your local payday loans company before your situation becomes financially unstable. For instance, if you know that your company is experiencing layoffs, you may want to take out a timely loan before the hammer has a chance to come down on you. Payday advances are also a great alternative to more serious debt relief programs. Many debt management and debt consolidation programs actually create problems for borrowers by destroying their long-term credit. The structure of a payday loan is more short-term. Therefore borrowers do not have to worry as much about their long-term credit being affected. This leads into perhaps the number one reason that people choose a payday loans business over a traditional banking structure. Cash advance loans do not concern themselves with your long-term financial history or your credit score. Because the loans are more short-term in nature, proprietors of payday loans companies realize that your long-term credit score has very little to do with your ability to pay back a personal loan. Paycheck advance companies are also subject to many less regulations than traditional banks. As the political pressure continues to come down on the financial industry in the wake of the Great Recession, traditional banks are finding themselves on the losing end of many legislative actions. This is not the case with the payday loans industry.

Some people may think that the payday loans industry is unscrupulous. However, the payday loans industry is actually one of the more scrutinized industries of the Better Business Bureau. The BBB has actually stated that they automatically give payday loans companies lower ratings because of the nature of their business. This means that if you find a payday loans company with a high ranking, you can be sure that they earned it through fantastic customer service and good business practices. In your search for the right payday loans company, you should make sure that they are accredited by the Better Business Bureau. However, you can also check for their involvement with internal watchdog agencies. The payday loans industry has made it an industry wide practice to ferret out all of the more unscrupulous entities within the practice. You can rest assured now more than ever that the payday loans industry is safe to do business with. If you are in Columbia, Missouri, and you are looking for a way to get out of your financial situation, consider looking into the payday loans industry. They have many advantages over the traditional banking industry, especially where the individual and the small business person are concerned.

Customer Statistics

Requested Amount

Average requested loan amt


Total Columbia population


Average annual income

$16,781 yr

Average customer age

27 years of age
Top 3 Financial Institutions
  • Boone County
  • Landmark Bank
  • US Bank
Top 3 Employers
  • University of Missouri
  • University of Missouri Health System
  • Columbia Public Schools
Own vs. Rent

Percentage of users that own their home vs. those who rent.

Columbia Own vs. Rent
Checking vs. Savings

Percentage of users that deposited their loan into a checking account vs. savings.

Columbia Checking vs. Savings
Employment vs. Benefits

Percentage of users with employment income vs. those on benefits.

Columbia Employment vs. Benefits
* Statistics derived from private sources and the Census Bureau.

Columbia Cash Advance Store Locations

When you need money before your next payday, consider a cash advance. This type of short-term loan is both convenient and easy to qualify for. You will get the money you need without hassles. To help you find the best local source for a loan, we have included a list of top lenders nearby. If you are looking for an online alternative, you can apply right on this page! Either way, you will get the cash you need in a hurry.

Ace Cash Express

3301 Broadway Business Park Ct
Columbia, MO 65203

Advance America

21 Conley Rd # S
Columbia, MO 65201

American Payday

1900 Vandiver Dr
Columbia, MO 65202

Credit Unions

Those who are tired with their current banking situation should consider alternatives. Many have joined Columbia credit unions only to discover the ease and flexibility that comes from making the switch. We are convinced you will appreciate the convenience that credit unions offer. To help you out, we have published a list of reputable locations in your area!

Columbia Credit Union

310 East Walnut Street
Columbia, MO 65201
(573) 256-2500

Missouri Credit Union

2101 West Broadway
Columbia, MO 65203
(573) 817-5445

Shelter Insurance Federal Credit Union

1817 West Broadway
Columbia, MO 65218
(573) 214-4207

State Farm Insurance

4700 South Providence Road
Columbia, MO 65217
(573) 499-2000

Economic Assistance

The economy has taken its toll on many. If you find yourself negatively affected, consider the help that is available. Below are the top economic assistance companies in your area. From career counseling to job placement services, they have the tools and guidance you need to get back on your feet. Take advantage of their services as soon as possible!

Adecco Employment Services

805 East Nifong Boulevard
Columbia, MO 65201
(573) 817-5870

Express Employment

1900 North Providence Road, #200
Columbia, MO 65202
(573) 443-1800

Kelly Services, Inc.

2501 Bernadette Drive
Columbia, MO 65203
(573) 875-0605

Time Line Recruiting

3220 Bluff Creek Drive
Columbia, MO 65201
(573) 214-2763


Payday Loan Locations