It seems more and more Missourians are having difficulty making it from paycheck to paycheck. They’re using a service called payday advance, which provides short term loans – until the borrower’s next payday – for a fee. Community Financial Services Association of America is the umbrella organization for the institutions throughout Missouri and the country making these loans. It says the average short term loan in Missouri is about $200 and is paid back within fourteen days at a flat rate 15 percent fee. The average salary of a payday advance customer in Missouri is between $25,000 and $45,000 dollars a year.