- Payday loans in St. Charles 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 O'Fallon, about 11 miles away.
St. Charles at a glance
| St. Charles | |
|---|---|
| Population (2024 Census estimate) | 72,458 |
| Change since 2020 | +2.4% (growing) |
| County | St. Charles County |
| Size rank among 608 Missouri places we cover | 8th |
| Share of Missouri’s population | 1.2% |
| Nearest larger city | O'Fallon (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in St. Charles County | 3 |
| Other towns within 25 miles | 102 (about 1,220,710 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Payday lending in St. Charles follows Missouri state law. Lenders that serve St. Charles, in a store or online, must be licensed by the Missouri Division of Finance.
Credit unions near St. Charles
No credit union has its main office in St. Charles, but these are based elsewhere in St. Charles County (NCUA, June 2026):
- Alltru Federal Credit Union in Wentzville (federal charter — may offer payday alternative loans (PALs))
- West Community Credit Union in O Fallon (state charter)
- Vantage Credit Union in Saint Charles (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 St. Charles
The main Missouri rules for a payday loan in St. Charles: 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 St. Charles
The Center for Responsible Lending put the typical APR on a $400 payday loan in Missouri at 652% (June 2023). For $300 at the state maximum, expect Up to 75% of the loan over its whole life, including renewals. Check any offer with our payday loan calculator.
Other help in St. Charles County before you borrow
- Call or text 211 for help with rent, utilities and food in St. Charles County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near St. Charles
- St. Peters · 5 mi
- Bridgeton · 6 mi
- Maryland Heights · 6 mi
- Hazelwood · 6 mi
- Cottleville · 8 mi
- St. Ann · 8 mi
The nearest larger city is O'Fallon, about 11 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 St. Charles?
Yes. Payday loans are legal in St. Charles under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in St. Charles?
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 St. Charles?
No credit union is headquartered in St. Charles, but Alltru Federal Credit Union is based in Wentzville, also in St. Charles 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