- Payday loans in Bel-Nor follow Missouri law (RSMo 408.500, 408.505 and 408.506).
- Borrowing $300 at the state maximum costs Up to 75% of the loan over its whole life, including renewals.
- The nearest larger city is University, about 2 miles away.
Bel-Nor at a glance
| Bel-Nor | |
|---|---|
| Population (2024 Census estimate) | 1,357 |
| Change since 2020 | -2.7% (shrinking) |
| County | St. Louis County |
| Size rank among 608 Missouri places we cover | 294th |
| Nearest larger city | University (about 2 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in St. Louis County | 14 |
| Other towns within 25 miles | 93 (about 1,232,880 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Whether you borrow at a storefront in University or online from Bel-Nor, the lender must hold a Missouri license from the Missouri Division of Finance and follow state limits.
Credit unions near Bel-Nor
No credit union has its main office in Bel-Nor, but these are based elsewhere in St. Louis County (NCUA, June 2026):
- Lutheran Federal Credit Union in Saint Louis (federal charter — may offer payday alternative loans (PALs))
- African Diaspora Federal Credit Union in Saint Ann (federal charter — may offer payday alternative loans (PALs))
- Century Credit Union in Saint Louis (state charter)
- First Missouri Credit Union in Saint Louis (state charter)
- Neighbors Credit Union in Saint Louis (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Bel-Nor
Key Missouri limits that apply to Bel-Nor borrowers: maximum loan: $500; loan term: 14 to 31 days; cost cap: interest and fees capped at 75% of the initial loan, including all renewals. See the full Missouri payday loan rules.
What a $300 loan costs in Bel-Nor
At Missouri’s maximum fee, borrowing $300 costs Up to 75% of the loan over its whole life, including renewals. Statewide, the typical APR on a $400 payday loan was 652% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in St. Louis County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Bel-Nor that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Bel-Nor
The nearest larger city is University, about 2 miles away. See all 608 Missouri cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Bel-Nor?
Yes. Payday loans are legal in Bel-Nor under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in Bel-Nor?
At Missouri’s maximum fee, borrowing $300 costs Up to 75% of the loan over its whole life, including renewals. The typical statewide APR was 652% in 2023.
Where is the nearest credit union to Bel-Nor?
No credit union is headquartered in Bel-Nor, but Lutheran Federal Credit Union is based in Saint Louis, also in St. Louis County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Missouri Division of Finance — Payday lenders
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary