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MOLast updated: 2026-01
Missouri Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Missouri.
Maximum Interest Rate
None
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
No Limit
Penalty Type
No specific penalty
Notes
Missouri has no general usury statute.
Business Exemption
No general usury limit. Rate determined by contract.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Disclosure Statement
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Missouri Merchandising Practices Act
Real Estate Specifics
Foreclosure process and property laws
- Deed of Trust state
- Non-judicial foreclosure
- 1-year redemption (only if sale brings less than 2/3 appraised value)
Legal Disclaimer
This information about Missouri regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Missouri attorney before entering into any seller financing arrangement.