Can I Get An Installment Loan In Florissant, MO?

Installment loans are an option when you need cash to fund emergencies in as little as 24 hours. You can get one as long as you're over 18, hold a valid ID card, provide a checking account statement, and prove you have a consistent income. Just keep in mind that your credit score will be checked (although perfect credit isn't necessary).

In this article, we will discuss the requirements for getting an installment loan in Florissant, MO, in more detail to see if it's the right option for you.

Do You Qualify For An Installment Loan In Florissant, MO?

You can get an installment loan if you satisfy the following requirements:

  • Valid state-issued photographic identification — We use your ID to confirm you are at least 18 years of age and that you've given us your correct name. Typically, our customers use their driver's license to satisfy this requirement. However, you can choose from any of the following:
    • A United States of America passport
    • A United States of America passport card
    • A United States of America military ID card
    • A United States of America military-dependent ID card
    • A United States of America student ID card
    • A United States of America non-driver's ID card
  • Checking account statement — Please ensure it covers the last 30 days and is from an account open in your name. We can't offer you an installment loan with a statement belonging to someone else.
  • Proof of income — We use your most recent paycheck as your proof of income. It establishes your ability to repay the loan.

Do Credit Scores Matter When Applying For An Installment Loan?

Credit scores indeed matter when you're trying to get an installment loan. Unlike when you receive a title loan, we will check your credit before approving your application.

That said, it's worth noting that you don't need to have perfect credit to qualify. Your score will be checked, but we welcome all kinds of credit holders to apply. You can speak to your local Missouri Title Loans, Inc. branch for more information.

Consider Checking Your Credit Score Before Applying

If you aren't aware of your credit rating, it might be wise to check your score before starting the installment loan in Florissant, MO, application.

Thanks to many online services, you can check your credit score for free. Depending on the rating system used, your credit score could be anywhere from poor to excellent, as per the lists below.


FICO is a company that creates various consumer credit scores. The base FICO Scores run from 300 to 850 and are dedicated to lenders in multiple industries. However, they also make industry-specific credit scores for auto lenders and credit card providers.

With all that in mind, the base FICO Scores chart looks like this:

  • 300 to 579 is a poor credit score. Roughly 16% of Americans land here.
  • 580 to 668 is a fair credit score. Around 17% of Americans sit here.
  • 670 to 739 is a good credit score. Approximately 21% of USA citizens fit into this range.
  • 740 to 799 is a very good credit score. Roughly 25% of Americans have a very good rating.
  • 800 to 850 is an exceptional credit score. 21% of the population land here.

applying for an installment loan with good credit score

Vantage Score

Originally, VantageScore's models ran from 501 to 990. However, the company's newest versions (VantageScore 3.0 and VantageScore 4.0) have the same range as FICO — 300 to 850. The only difference? The categorizations are a little different, as you'll see from the following:

  • 300 to 499 is a very poor credit score. Thankfully, only 5% of Americans fall into this classification.
  • 500 to 600 is a poor credit score. Around 21% of USA residents land here.
  • 601 to 660 is a fair credit score. Roughly 13% of Americans sit in this category.
  • 661 to 780 is a good credit score. A whopping 38% of the population sits here.
  • 781 to 850 is an excellent credit score. The remaining 23% of Americans fit here.

How To Get An Installment Loan In Florissant

If you satisfy the requirements, get an installment loan from us by following these steps:

  1. First, complete the Missouri installment loan request form found on this website.
  2. One of our qualified loan associates will get in touch to discuss the requirements, ensure you understand the process, and answer your questions.
  3. After the phone call, head to your nearest Missouri Title Loans, Inc. store with your valid state identification, checking account statement, and proof of income.
  4. Wait while one of our loan representatives evaluates your documents to see if you qualify for an installment loan.
  5. If you gain approval, you'll sign the agreement.
  6. Finally, receive the money you need on the same or following bank business day.

Submit Your Installment Loan in Florissant, MO, Inquiry Today!

Use our simple form to kickstart your installment loan in Florissant application! Just remember to check you match the criteria first.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.