Cash advance app rules in Missouri

Fees

• No dollar cap on fees appears in RSMo 361.749.
• Before an agreement, the provider must give a written or electronic document that fully and clearly discloses all fees (361.749.4).
• "Fee" covers delivery or expedited delivery fees, subscription or membership fees, and amounts an employer pays on the consumer's behalf; a voluntary tip is not a fee (361.749.1).

Tips

• Immediately before each transaction, the provider must clearly disclose that a tip may be zero and is voluntary (361.749.4(7)).
• The contract must say that the amount and frequency of advances do not depend on whether, or how much, the consumer tips (361.749.4(7)).
• The provider may not mislead consumers about tips being voluntary or say tips benefit a specific person (361.749.4(7)).
• The provider may not share fees or tips with the employer (361.749.5).

Other rules

• No interest for failure to repay; no reporting to credit bureaus or debt collectors; no requiring a credit report or score; no credit card payments (361.749.5).
• No lawsuits, third-party collection or debt sales to collect, except for fraud (361.749.5).
• The provider must reimburse bank overdraft or NSF fees caused by debiting earlier than, or a different amount than, it disclosed (361.749.4).
• EWA from a provider is not a loan or money transmission, and fees and tips are not interest or finance charges (361.749.6).
• Knowing and willful violations are a class A misdemeanor (361.749.12).
• The 2023 version (SB 103) required registration; the version effective Aug. 28, 2026 (HB 2423) requires a license.

Who is licensed or registered

The state publishes an official list. On 2026-10-18, it included these apps we cover:

• EarnIn: listed as “Activehours, Inc.”
• Brigit: listed as “Bridge It, Inc.”
• Chime SpotMe and MyPay: listed as “Chime Capital, LLC”
• Cleo: listed as “Cleo Al Inc.”
• DailyPay: listed as “DailyPay, LLC”
• FloatMe: listed as “FloatMe Corp”
• Klover: listed as “Klover Holdings, Inc.”
• MoneyLion: listed as “ML Plus LLC”
• Payactiv: listed as “Payactiv, Inc.”
• Tilt (formerly Empower): listed as “Tilt Finance, Inc.”

Lists change. Check the regulator’s current list before you rely on it.

What we could not confirm

• Whether the Division of Finance has adopted rules under 361.749.9: none were found or checked.