Loans in Missouri
Perch offers convenient installment loans also known as quick personal loans or online loans to help you reach your full potential.
Rule the roost with a personal loan from Perch
Each Perch Loan provides you with a more flexible experience, better rates and longer repayment terms than many short-term loans.
- Fast, secure application with instant approval decision
- Money-back guarantee - if you change your mind, pay back the principal within three days & no fees
- Push a payment one time during your repayment period
Example Installment Loan
Apply for a Perch loan in Missouri
Now it's faster and easier to elevate your financial vantage point from the comfort of your Missouri home.
Apply online in minutes
Our simple online application takes just a few minutes to complete and can be done from land or sky.
Instant approval decisions
Good news travels fast -
receive loan decisions almost instantly.
Access your money
Get your money the same day* and get started planning for better and brighter tomorrows.
Never fly solo
Choose Perch Loans and elevate your financial vantage point.
*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.
Missouri FAQs
How do I apply for an installment loan in Missouri?
The application for an installment loan, also known as a personal loan, only takes a few minutes. As a resident of MO, simply fill out our quick online application, receive an approval decision right away, and get money deposited to your bank account as soon as the same day.*
What if I have bad credit or a prior bankruptcy?
Perch Loans considers applicants with all types of credit in Missouri. Even with poor credit or a previous bankruptcy, you still may be eligible to receive an online installment loan with Perch Loans. It takes only a few minutes to apply and get an instant decision.
How soon do I know if I am approved for a loan in Missouri?
In most cases you'll receive an instant decision after the application is submitted. We also keep in touch with you via email and text for any other information we may need. Please make sure your email address is correct and sign up for text alerts when setting up your account during the application process.
How soon do I get the money for my installment loan in MO?
Once your application is approved, funds are typically deposited in your account as soon as the next business day. Monday - Friday: If approved by 10:30am, you could get your funds by 5 pm ET same-day. If after 10:30am, funds will arrive the morning of the next banking day. Saturday and Sunday: You can expect your funds on Monday, typically in the morning.
Is my personal loan application secure?
Absolutely. With Perch Loans in Missouri, you can be certain that all the information you submit for your personal loans are sent through a secure server, and kept in a secure database. The padlock in the URL address bar also signifies that your information on this website is encrypted. For more details, see our Privacy Policy.
How do online loans work in Missouri?
Online Loans allow you to both apply and repay your loan online, at your convenience. Just submit an online application and if approved, the funds will be deposited directly into your bank account as soon as the same day*. Your repayment of the loan is electronically deducted from your bank account on your scheduled due dates.
*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.
Missouri disclosures and license
Perch Loans is a licensed Missouri lender offering quick online loans to MO residents. Whether you live in Springfield, St. Louis, Kansas City, Columbia, Independence or anywhere in MO, Perch Loans is here to provide installment loans that meet your needs.
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Privacy Policy
Facts
What does Perch Loans do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Transaction history and credit history
- Employment information and checking account information
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Perch Loans chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Perch Loans share?
Can you limit this sharing?
Reasons we can share your personal information
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Does Perch Loans share? Yes
Can you limit this sharing? No
For our marketing purposes — to offer our products and services to you
Does Perch Loans share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your transactions and experiences
Does Perch Loans share? Yes
Can you limit this sharing? No
For our affiliates' everyday business purposes — information about your creditworthiness
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For our affiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
For nonaffiliates to market to you
Does Perch Loans share? Yes
Can you limit this sharing? Yes
Mobile Numbers: We will never share your mobile number so that any affiliates or non-affiliates can market to you without your consent. Your mobile number opt in will not be shared or sold for marketing purposes.
To limit our sharing
- Mail the form below
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-866-261-5168 or go to https://www.perchloans.com
Mail-in Form
Mark any/all you want to limit:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with nonaffiliates to market their products and services to me.
Name
The customer's first and last name will go in this field. This row is empty, but the text is needed to push the table width.
Address
The customer's address, city, state and zip code will go in this field. This row is empty, but the text is needed to push the table width.
The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
City, State, Zip
The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.
Customer #
The customer's number ID will go in this field. This row is empty, but the text is needed to push the table width.
Mail to
Perch Loans
Att: Opt Out
P.O. Box 3058
Spartanburg, SC 29304-3058
Who we are
Who is providing this notice?
Perch Loans through its operating entities including Flexible Loans of Delaware, LLC; Flexible Loans of Mississippi, LLC; Flexible Loans of Missouri; LLC Flexible Loans of Wisconsin, LLC
What we do
How does Perch Loans protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Perch Loans collect my personal information?
We collect your personal information, for example, when you:
- Apply for a loan or give us your income information
- Provide employment information or provide account information
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include financial companies operating in various other states under the names Advance America®, Advance America® Cash Advance, Advance America® Cash Advance Centers, National Cash Advance®, Check Advance®, First American Cash Advance®, Purpose Money®, Purpose Financial®, First American Loans®, Express Check Advance®, First American Title Loan®, Anytime Wallet™, and Kickstand Lending™.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Non-affiliates we share with can include lenders, collection agencies, consumer reporting agencies, debt buyers, payday lenders, deferred presentment providers, delayed deposit providers, check cashers, credit card companies, money transfer service providers, tax service providers, retailers, database providers, and others.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include lenders, payday lenders, credit card companies, money transfer service providers, tax service providers, and others.