- Payday loans in Gainesville 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 Nixa, about 57 miles away.
Gainesville at a glance
| Gainesville | |
|---|---|
| Population (2024 Census estimate) | 778 |
| Change since 2020 | +5.9% (growing fast) |
| County | Ozark County |
| Size rank among 608 Missouri places we cover | 379th |
| Nearest larger city | Nixa (about 57 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Typical payday APR statewide (CRL 2023) | 652% |
Whether you borrow at a storefront in Nixa or online from Gainesville, the lender must hold a Missouri license from the Missouri Division of Finance and follow state limits.
Credit unions near Gainesville
NCUA data (June 2026) shows no credit union headquartered in Gainesville or Ozark County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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.
Payday loan rules that apply in Gainesville
Key Missouri limits that apply to Gainesville 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 Gainesville
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 Ozark 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 Gainesville 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 Gainesville
- Ava · 28 mi
- West Plains · 32 mi
- Norwood · 35 mi
- Taneyville · 35 mi
- Mansfield · 36 mi
- Willow Springs · 37 mi
The nearest larger city is Nixa, about 57 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 Gainesville?
Yes. Payday loans are legal in Gainesville under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in Gainesville?
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 Gainesville?
NCUA data shows no credit union headquartered in Gainesville or its county. Use the NCUA credit union locator to find branches and online credit unions.
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