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Joplin Financial Resource Guide

Do You Need Emergency Cash in Joplin?

An OppLoans Guide to Getting The Help You Need

Joplin is a great place to live, but it is no stranger to disaster. As many in the area might remember from the tornado that struck in 2011, there are situations where people simply need help. But there are many smaller kinds of disasters and emergencies that happen every day. There are car accidents or sudden or chronic medical needs; there are people who need to escape from an abusive relationship, struggle to put food on their family’s table or who need legal help to keep their home. Some of these problems can be fixed by a better kind of personal loan, one that doesn’t take advantage of people with poor credit histories. But some of these problems require other solutions. Fortunately, all these kinds of resources are available in Joplin for those who need them.

Getting Help in Joplin

For people in Joplin who need help with food, shelter, medical or energy costs, home weatherization or legal help, there are many resources available in the area that can give them assistance for little or no cost. It’s just a matter of knowing where to look. Here are some organizations, institutions and local non-profits that can help people in their time of need.

Healthcare Resources


Most people don’t like going to the doctor, but they do it anyway because they know how it important it is. Unfortunately, people who lack health insurance or are similarly underinsured have a hard time paying for a doctor’s visit even when they do want to go. Here are some places in Joplin and the surrounding area where these people can find affordable healthcare services.

Joplin Community Clinic provides medical and dental services to the uninsured.

Access Family Care provides free and discounted medical and dental services in Joplin.

Missouri residents who qualify can apply for Medicare and Medicaid.

Visit to find local WIC clinics in the area. offers a comprehensive directory of affordable healthcare providers in Joplin. has listings for affordable dental care providers in Joplin.

Visit to learn more government aid programs available to people in Joplin.

Food Assistance

Food Assistance

Being able to afford food is something a lot of people take for granted, but there are many families in Joplin who go to bed hungry. For people who need some help with the cost of groceries, here are some places in the area where they can find assistance.

The Missouri Department of Social Services operates a food stamps program available to Missouri residents who qualify.

Crosslines Ministries operates a food pantry in Joplin.

Watered Gardens Gospel Rescue Mission in Joplin distributes good baskets to people in need.

We Care Of the Four States provides food assistance to people in Joplin and the surrounding area. offers a robust directory of food pantries in Joplin.

Visit for more information about government assistance programs and private charities available to Joplin residents.

Addiction and Recovery Resources

Addiction and Recovery

Getting sober isn’t easy. Like so many other things in life, it helps to have some assistance on the path to recovery. But there are many people in Joplin and nearby that would struggle to afford the costs of a residential facility or even an outpatient treatment program. Still, here are some options for low-cost or free options in the area.

The H.O.U.S.E. Inc. provides an intense, long-term inpatient program to people who are struggling to recover.

Missouri Department of Mental Health has a number of different programs and informational resources to help people grappling with substance abuse.

Lafayette House is a women’s institution that offers an inpatient drug and alcohol rehabilitation. They charge for services on a sliding scale.

Alcoholics Anonymous offers a regularly updated calendar of meetings in Joplin.

Narcotics Anonymous also holds meetings in Joplin and Jasper County.

Visit for information on free and affordable treatment programs.

Visit for treatment programs in the Joplin area. for online education resources as well as listings for local resources in Joplin.

Veterans Services

Veterans Services

Veterans don’t just need our help, they deserve it. And yet so many of them struggle when they get back home. They end homeless or turning to drug addiction to battle their PTSD. Many of them have trouble even finding a good job. However, there lots of places in Joplin where local veterans can find the resources and help that their service has earned them.

Veterans who need serious medical attention and other services should visit the Kansas City VA Medical Center.

The regional headquarters for the U.S. Department of Veterans Affairs is The Kansas City Vet Center, located at 4800 Main Street in Kansas City. They can be reached by phone at (816) 753-1866 or toll-free at (816) 753-1866.

There is a Community Based Outpatient Clinic located in nearby Nevada that is open to Joplin-area veterans.

The Missouri Veterans Commission has programs and resources for all veterans in the state of Missouri. They can be reached at (573) 751-3779.

Housing, Rent/Utilities Assistance & Homelessness

Housing, Rent/Utilities Assistance & Homelessness

People need a place to live. That’s pretty basic. And yet there are many people in Joplin who don’t have one or are in danger of losing the one they have. For housing related issues like affordability, home weatherization or temporary shelter, there are places in Joplin where people can get some help.

The Joplin Housing Authority can help local residents with housing-related issues.

Watered Gardens Gospel Rescue Mission provides emergency shelter in Joplin.

Carthage Crisis Center is a homeless shelter in nearby Carthage.

Low Income Home Energy Assistance Program (LIHEAP) is a federal program providing energy assistance to families-in-need. has listings for homeless and emergency shelters in Joplin. has listings for affordable housing in Joplin.

Visit for information on low-income housing in Jasper County.

Borrowing Money in Joplin

Predatory lenders are everywhere, even in Joplin. These are businesses that take advantage at people when they’re at their most vulnerable and offer them loans with high interest rates and short repayment terms. Oftentimes, borrowers have to continually roll the loans over to pay them back. This means more money for the lender and more debt for the borrower. Many people are unable to pay back these loans, which can means they could end up in court or have their car repossessed. The next time you need to pay for some unexpected expenses, make sure you know what kinds of loans are out there: your financial future could depend on it.

Payday Loans in Joplin

Payday Loans in Joplin
High interest plus short payment terms equal a bad investment.

Payday loans are usually seen as a measure of last resort. They are very easy to secure — usually requiring nothing more than a post-dated check made out to the lender for the amount the borrower owes — but they have very high interest rates and short payment terms, too. This can make them hard to repay and lead borrowers into a cycle of debt.

But payday loans are so dangerous that they shouldn’t even be an option of last resort. They should be an option of no resort.

Payday loans in Missouri can be issued for $500 or less and come with payment terms no shorter than 14 days but not longer than 31 days.(1) The lender can charge interest rates and fees up to 75% of the principal.(2) So for every $100 someone borrows, they have to pay $175 back. This adds up to an Annual Percentage Rate (APR) of 1,950%. If that sounds like it’s a bit high, it’s because it is.

When people can’t pay their payday loan back, the lender will usually roll the loan over, this means that the borrower gets a new repayment term but also has to pay another 75%. Given how much is added to their debt and how little time they still have to pay the loan back, rolling a loan over can quickly lead to a cycle of debt.

If you would like to report a payday lender in Joplin, or would like more information, please contact the Missouri Division of Finance at (573) 751-3242 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in Joplin

Title Loans in Joplin
You can get a lot of cash, but you stand to lose all of your car, truck or motorcycle.

Title loans in Joplin are usually advertised as a quick and easy way to secure a loan of up to $5,000. But what title lenders usually keep to themselves is that the terms for these loans make them rarely worth the trouble. Is it really worth getting a loan if people end up having their car repossessed?

What makes a title loan different from a loan like a payday loan is that it’s secured by the title to the borrower’s car, truck or motorcycle. When they take out the loan, the borrower gives the lender the physical title to hold as collateral. If the borrower repays the loan, they get the title back. If they don’t, the lender is granted the legal right to repossess the person’s car.

Missouri has a minimum 30-day term for title loans, but they do not have any limits on fees or interest rates.(3) To give you an idea of what that means, the national average APR for a title loan is around 300%. And for those who might think, “well, buyer beware”, it isn’t always that simple. Some people say they feel misled when they take out a title loan, that it’s only after they’re on the hook that they realize how much they actually owe.(4) Title lenders in Missouri are also allowed to roll loans over — extend the terms and charge more interest — which leads to many borrowers getting trapped in a cycle of debt.

Given all these risks, is a title loan really the best way to get cash in an emergency? There are loans out there that come with better rates, more favorable terms and won’t put your vehicle at risk. If you would like to report a title lender in Joplin, or would like more information, please contact the Missouri Division of Finance at (573) 751-3242 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in Joplin

Pawn Shops in Joplin
You won’t get much for valuable family heirlooms.

While a pawn shop is a good place to go shopping for fun and memorable items, it’s not a great place to go shopping for a loan.

Pawn shop loans are secured by collateral that is brought in by the borrower: usually stuff like jewelry or electronics or sports memorabilia. The value of the loan is determined by the value of the item because the pawn shop will hold onto and sell the item if the loan isn’t paid back. In Missouri, pawn shops can charge 2% interest per month in addition to charging for storage.(5)

Since the value of household items isn’t usually more than a few hundred dollars, the amount that people can borrow with a pawn shop loan isn’t usually more than a few hundred dollars either. Plus, the stuff that people use to put up as collateral usually has more sentimental value then it does dollar value. Is it worth losing family heirlooms just to secure a few bucks?

If you would like to report a pawnshop lender in Joplin, or would like more information, please contact the Missouri Division of Finance at (573) 751-3242 or the Consumer Financial Protection Bureau at (855) 411-2372.

Personal Installment Loans in Joplin
Safe, reliable and the right loan for you.

When an emergency strikes and you need fast cash to cover expenses, don’t take out a title, payday or pawnshop loan — get a personal installment loan from OppLoans instead. Our loans come with higher principals between $1,000 and $10,000 dollars, lower interest rates that are 70-125% less than other personal lenders and longer payment terms between 6 and 36 months

OppLoans always strives to deliver fast, flexible, fair and five-star service:

  • Fast: Apply online and find out if you’re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Flexible: We offer longer terms, larger loans, and affordable, fixed payments. Your monthly payment will be the same throughout the life of the loan.
  • Five-Star: Customers rate us 4.9 out of 5 stars for our friendly service. We also provide discounts for credit education.

A personal installment loan from OppLoans comes with fixed, monthly payments that will easily fit within your budget. Plus, paying your loan off on time can help you build a better credit history. To apply for a loan today, fill out this easy online application. If you’re approved, the funds can be in your bank account as early as the next business day.

  1. “Unsecured Loans of $500 or Less.” Missouri Division of Finance. Accessed March 8, 2016.
  2. “Missouri State Information.” Payday loan Consumer Information. Consumer Federation of America. Accessed March 8, 2016.
  3. Car-Title Loan Regulation.” Consumer Federation of America. Accessed March 8, 2016.
  4. Car-Title Loan Regulation.” Consumer Federation of America. Accessed March 8, 2016.
  5. Missouri Revised Statutes. Chapter 367. Pawnbrokers and Small Loans.” Missouri Legislature. Accessed March 8, 2016.

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.

Need a Loan? Live in Missouri?

Need more to help you through a difficult financial situation? Opportunity Loans offers a range of cash loans in Missouri to suit different personal lending needs and help you get back on track.

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Let’s Talk Details

Our goal is to provide the most flexible and affordable loan based on your personal financial needs. We will never charge a pre-payment penalty and your payment amount will always be fixed throughout the life of your loan. In addition, our loans never have origination or application fees.  Of course, we also have to work within the boundaries of all applicable state and federal regulations.


Costs and Terms of a Typical Installment Loan in the State of Missouri

Loan AmountRepayment TermAPR
$1,000-$10,0009-36 Months36%-160%

Governing Law

If you have questions or concerns about your loan, please contact the Opportunity Financial Customer Support Team by phone at (855) 408 5000, Monday-Friday, 7 a.m.- 7 p.m. Central Time, or by sending an email to: If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Missouri Division of Finance
Harry S. Truman State Office Building, Room 630
P.O. Box 716
Jefferson City, Missouri 65102
MAIN 573-751-3242
Fax: 573-751-9192

View our Missouri License

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This does not affect your credit score!

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CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Finance Lenders License No. 603 K647).

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2016.

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Based on customer service ratings on Google and Facebook. Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Opportunity Loans.

* Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

Rates and terms vary by state. An example of an OppLoan is $1,000 with 17 bi-weekly payments of $81, and an APR of 99%.