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Check Cashing and Payday Loan Stores in Cape Girardeau, MO

9 of the 15 pawn shops, check cashing and loan stores we list in Cape Girardeau are check cashing or payday loan services.

Stores in this category vary significantly by the type of financial products they offer, ranging from simple payroll check cashing to short-term installment loans and personal credit lines. Processing fees, required identification, and funding speeds differ between dedicated check cashers and traditional consumer loan offices. A map pin shows proximity, but it will not indicate whether a specific location handles hand-written checks, government benefits, or immediate cash payouts.

  1. Cash City

    800 Broadway St, Cape Girardeau, MO 63701-5516

    Mon–Fri 09:00–18:00, Sat 09:00–13:00

    ElectronicsLayaway
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  2. LendNation

    237 S Broadview St, Cape Girardeau, MO 63703

    Electronics
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  3. Security Finance

    125 S Broadview St Ste 4, Cape Girardeau, MO 63703

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  4. Sun Loan Company

    2143 Independence St Ste 104, Cape Girardeau, MO 63701

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  5. King of Kash

    1131 N Kingshighway St #G, Cape Girardeau, MO 63701

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  6. Advance America

    2136 William St Unit 185, Cape Girardeau, MO 63703

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  7. Quik Cash

    237 S Broadview St, Cape Girardeau, MO 63703

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  8. OneMain Financial

    3441 William St Ste B, Cape Girardeau, MO 63701

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Bring the right documentation. Bring a valid government-issued photo ID, your most recent proof of income or pay stub, and a recent utility bill to verify your current residence before applying for a loan or cashing a check.

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Check Cashing and Payday Loan Stores near Cape Girardeau

Good to know

What do I need to bring to cash a payroll or government check?

You typically need a current government-issued photo ID, such as a driver's license or passport, and the endorsed check. Some stores may also ask for a secondary form of identification or a phone number to verify the check with the issuer.

How much do check cashing services usually cost?

Fees are often set as a percentage of the check's total face value, typically ranging from 1% to 5% for payroll or government checks. Personal or unverified checks usually carry higher percentage fees due to the additional processing risk.

What is the difference between a payday loan and a consumer installment loan?

Payday loans are usually smaller, short-term advances meant to be repaid in full on your next payday. Consumer installment loans offer larger principal amounts that are paid back over several months through fixed scheduled payments.