Helpful staff. I tried a few loan places near me, but here the staff was helpful, so I got quick funds.
January 11, 2026
Cash Loans Bear in St. Peters, MO 63304
Business Hours:
Monday-Sunday: 8am – 10pm
Branch Manager:
Brice Thomson
Phone:
(636) 278-9887
Email:
brice.thomson@loansbear.com
Approved even with bad credit. I got exactly what I needed for my emergency.
December 23, 2025
Almost instant response. I applied online on my lunch break and had a decision in under 20 minutes.
November 9, 2025
Instant response. It was an emergency, and I got my funds the same day. It didn't waste my time.
June 5, 2025
About Our St. Peters Branch
Cash Loans Bear at 6419 Mid Rivers Mall Dr. is a full-service location with an on-site team ready to help you get the right loan, whether that’s a quick cash advance or a longer installment plan. We focus on your current income and ability to pay back, so borrowers with bad credit or a thin credit history can qualify for personal loans in St. Peters, MO. Apply online or in-store seven days a week from 8:00 AM to 10:00 PM.
St. Peters at a Glance
Local numbers help put a borrowing decision in context. Here’s what the latest public data shows for St. Peters and for payday lending across Missouri.
$91,637
Median household income in St. Peters, 2020–2024. Poverty rate: 5.6%.3
406%
Average APR on Missouri payday loans, Oct 2023 to Sep 2024. Average loan: $300.94.1
$80.8M
Total city debt outstanding on Sep 30, 2025, down from $88.7M a year earlier.2
$416.0M
City net position at the end of fiscal year 2025, up $28.0M.2
$154.8M
Unused general obligation debt margin under Missouri’s 10% of assessed value cap.2
The City of St. Peters ended fiscal year 2025 with less debt than a year earlier, and it has kept its property tax rate at 77 cents per $100 of assessed value since 2007.2 About 2,300 businesses operate in the city, and Mid Rivers Mall is the largest shopping center in St. Charles County.2
Products & Services
A payday loan is a short-term cash advance designed to help cover urgent expenses between paychecks. You borrow a set amount and repay it in full by your next payday. It works best for one-time expenses when you expect to repay the balance quickly.
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An installment loan allows repayment over several months through fixed, predictable payments. It’s a good option when you need a larger loan with manageable payments.
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For a payday loan, the maximum is $500 under regulations enforced by the Missouri Division of Finance. For an installment loan, you can borrow up to $5,000, depending on your eligibility. The exact amount offered will vary based on your income and our evaluation.
Approved applicants can typically access their money the same day or by the next business day. Exact timing depends on your bank’s processing schedule.
Payday Lending in Missouri
The Missouri Division of Finance surveys licensed payday lenders every two years. Its February 2025 report covers October 1, 2023, through September 30, 2024. The figures are statewide, and St. Peters isn’t reported separately.1
| Latest survey (Missouri) | Value |
|---|---|
| Payday loans made (renewals counted separately) | 77,292 |
| Change from previous survey | -65.9% |
| Average loan | $300.94 |
| Average APR | 406.26% |
| Average interest and fees, 14-day loan | $46.89 |
| Average interest and fees, 31-day loan | $103.83 |
| Average renewals per loan | 1.3 |
| Defaulted loans | 4,156 (5.37%) |
| Survey response rate | 72.9% |
Source: Missouri Division of Finance.1
| Average APR by survey | Missouri |
|---|---|
| January 2017 | 451.94% |
| January 2019 | 526.74% |
| January 2021 | 414.29% |
| January 2023 | 365.07% |
| January 2025 | 406.26% |
Loan volume fell by about two-thirds between the 2023 and 2025 surveys, while the share of loans in default rose from 4.41% to 5.37%. The average APR climbed back above 400% after dropping to 365.07% in the previous survey.1
The Division examined 146 payday licensees in 2024, and all of them received a satisfactory compliance rating. No cease-and-desist orders were issued that year, and Missouri had 203 payday lender licensees at the end of 2024.1
Rules That Apply to St. Peters Borrowers
Missouri payday loans are capped at $500 and must have a term of 14 to 31 days. Total interest and fees on a loan and all its renewals can’t exceed 75% of the original principal, and a loan can be renewed no more than six times.1 If you repay by the close of the lender’s next full business day, you owe no interest or fees.4
Other Locations in Missouri
- Florissant, MO 8198 N Lindbergh Blvd, Florissant, MO 63031 (314) 887-3714
- O’Fallon, MO 27 Ofallon Square, O’Fallon, MO 63366 (636) 339-4450
- St. Charles, MO 2105 Zumbehl Rd, St Charles, MO 63303 (636) 206-8125
How It Works
1
Simple Process
Apply online in just a few minutes.
2
Quick Approvals
Submit your application and receive a quick decision.
3
Instant Funding
Get funds sent directly to your debit card or bank account.
What You Need to Apply
- A government-issued ID
- Proof of income
- An active checking account
- Proof of address
- Your Social Security Number or ITIN
Additional documents may be required.
For more information about identification and lending requirements, visit the Consumer Financial Protection Bureau.
Explore Loans by State:
Why Choose Cash Loans Bear
Most applicants hear back within 15 minutes
We look at your income and your ability to repay
Visit us at Mid Rivers Mall Dr. or apply online
Funds often appear in your account the same day or by the next business day
All important details about loans are stated before signing
We’re open every day, 8:00 AM to 10:00 PM
Frequently Asked Questions
Yes. We focus primarily on your current income and ability to repay rather than relying solely on your credit score. No credit check is required in most cases, so you can still qualify with bad credit.
The full application is available online. Apply from wherever it’s most convenient for you, or visit us at 6419 Mid Rivers Mall Dr.
In the latest state survey, the average Missouri payday loan was $300.94 at an average APR of 406.26%. That works out to about $46.89 in interest and fees for a 14-day loan, or $103.83 for a 31-day loan.1 Your actual cost depends on the lender, and every fee is disclosed before you sign.
Missouri allows up to six renewals, and total interest and fees on a loan and its renewals can’t exceed 75% of the original amount.1 Statewide, the average payday loan was renewed 1.3 times, and 5.37% of loans ended in default.1 If repaying on time looks difficult, ask your lender about a payment plan before renewing.
Payday lenders in Missouri must be licensed by the Division of Finance, which reported 203 licensees at the end of 2024.1 You can look up any lender with the Division’s licensee search.
Sources
-
Missouri Division of Finance
Payday Lender Survey: Report to the General Assembly — payday loan cost and volume. February 2025.
-
City of St. Peters
Annual Comprehensive Financial Report, Fiscal Year Ended September 30, 2025 — city finances and local economy. March 2026.
-
U.S. Census Bureau
QuickFacts: St. Peters city, Missouri — household income. 2025.
-
Missouri Division of Finance
Payday Lenders — early repayment rule. 2026.
