- Payday loans in Gower 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 St. Joseph, about 16 miles away.
Gower at a glance
| Gower | |
|---|---|
| Population (2024 Census estimate) | 1,531 |
| Change since 2020 | -0.4% (holding steady) |
| Counties | Buchanan County and Clinton County |
| Size rank among 608 Missouri places we cover | 277th |
| Nearest larger city | St. Joseph (about 16 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 6 |
| Other towns within 25 miles | 21 (about 123,437 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Whether you borrow at a storefront in St. Joseph or online from Gower, the lender must hold a Missouri license from the Missouri Division of Finance and follow state limits.
Credit unions near Gower
No credit union has its main office in Gower, but these are based elsewhere in Buchanan County (NCUA, June 2026):
- District One Highway Credit Union in Saint Joseph (state charter)
- Goetz Credit Union in St Joseph (state charter)
- Postal & Community Credit Union in Saint Joseph (state charter)
- Lovers Lane Credit Union in Saint Joseph (state charter)
- St. Joseph Teachers' Credit Union in Saint Joseph (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.
Payday loan rules that apply in Gower
Key Missouri limits that apply to Gower 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 Gower
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 Buchanan 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 Gower 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 Gower
The nearest larger city is St. Joseph, about 16 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 Gower?
Yes. Payday loans are legal in Gower under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in Gower?
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 Gower?
No credit union is headquartered in Gower, but District One Highway Credit Union is based in Saint Joseph, also in Buchanan 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