- Payday loans in St. Clair 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 Wildwood, about 24 miles away.
St. Clair at a glance
| St. Clair | |
|---|---|
| Population (2024 Census estimate) | 4,748 |
| Change since 2020 | -1.7% (shrinking) |
| County | Franklin County |
| Size rank among 608 Missouri places we cover | 141st |
| Nearest larger city | Wildwood (about 24 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 18 (about 107,423 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Payday lending in St. Clair follows Missouri state law. Lenders that serve St. Clair, in a store or online, must be licensed by the Missouri Division of Finance.
Credit unions near St. Clair
NCUA data (June 2026) shows no credit union headquartered in St. Clair or Franklin 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.
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 St. Clair
The main Missouri rules for a payday loan in St. Clair: 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. Clair
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 Franklin County before you borrow
- Call or text 211 for help with rent, utilities and food in Franklin 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. Clair
- Parkway · 2 mi
- Union · 6 mi
- Oak Grove Village · 12 mi
- Sullivan · 13 mi
- Washington · 14 mi
- West Sullivan · 15 mi
The nearest larger city is Wildwood, about 24 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. Clair?
Yes. Payday loans are legal in St. Clair under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in St. Clair?
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. Clair?
NCUA data shows no credit union headquartered in St. Clair 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