- Payday loans in Springfield 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.
- 8+ credit unions are headquartered in Springfield; ask about small-dollar loans before borrowing.
Springfield at a glance
| Springfield | |
|---|---|
| Population (2024 Census estimate) | 170,596 |
| Change since 2020 | +0.9% (holding steady) |
| Counties | Christian County and Greene County |
| Size rank among 608 Missouri places we cover | 3rd |
| Share of Missouri’s population | 2.7% |
| Nearest larger city | Kansas (about 150 miles) |
| Credit unions headquartered in town (NCUA) | 8+ |
| Credit unions headquartered in these counties | 8 |
| Other towns within 25 miles | 22 (about 116,648 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Whether you borrow at a storefront in Kansas or online from Springfield, the lender must hold a Missouri license from the Missouri Division of Finance and follow state limits.
Credit unions in Springfield
These credit unions have their main office in Springfield, according to NCUA call report data (June 2026):
- Foundation Credit Union (state charter)
- Blucurrent Credit Union (state charter)
- Metro Credit Union (state charter)
- Educational Community Credit Union (state charter)
- Assemblies of God Credit Union (state charter)
- Telcomm Credit Union (state charter)
- Multi-States Credit Union (state charter)
- Volt Credit Union (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Springfield
| Rule | Missouri |
|---|---|
| Maximum loan | $500 |
| Loan term | 14 to 31 days |
| Cost cap | Interest and fees capped at 75% of the initial loan, including all renewals |
| Renewals | No more than six |
| Early repayment | Repay by the close of the lender’s next full business day and you pay no interest or fees |
What a $300 loan costs in Springfield
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 Christian 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 Springfield 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 Springfield
The nearest larger city is Kansas, about 150 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 Springfield?
Yes. Payday loans are legal in Springfield under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in Springfield?
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.
Are there credit unions in Springfield?
Yes. NCUA data lists 8 or more credit unions with a main office in Springfield, including Foundation Credit Union and Blucurrent Credit Union.
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