Compare your loan options in Kansas City, Missouri

A payday loan could get you through a rough financial patch if you don’t have the best credit and need money quickly. But keep in mind that payday loans are a temporary fix and can be a costly option.

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How much will a loan in Kansas City cost?

You can apply for up to $500 under Missouri revised statutes 408.500.1 et seq. A payday loan provider needs a license from the director of the Division of Finance in order to operate.

Lenders have very few restrictions in Missouri. For instance, a lender can charge up to 75% in interest. This means a $100 loan can have fees of $75, resulting in an APR of 1,950%.

Read your contract carefully before you sign so you know exactly how much you’ll need to pay when the loan term is over.

Learn more about Missouri’s payday loan laws on our page

Consider these lenders for a short-term loan in Kansas City

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Name	Product	Filter Values	Max. Loan Amount	Turnaround time	Requirements
OppLoans Installment Loans			$5,000	1 business day	Direct deposit, meet minimum income requirements, live in eligible state	Comes with the option to change your due date so you won’t fall behind on repayments.	Go to site More Info		loading Fetching your data...
CreditLend connection service			$2,500	Varies by lender	Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief	Find a line of credit — even if you don't have a perfect score.	Go to site More Info		loading Fetching your data...
Check Into Cash Installment Loans			$3,000	1 to 2 business days	Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California	Borrow money with lower payments and more time to pay than a traditional payday loan.	Go to site More Info		loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service			$35,000	As soon as the next business day	Regular source of income, verifiable bank account, US citizen, ages 18+	Get connected with multiple lenders you might qualify with — even if you have bad credit.	Go to site More Info		loading Fetching your data...
LendYou Short-term Loans			$15,000	Same business day to 1 business days	$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+	Get offers from potential lenders in minutes by filling out just one online form.	Go to site More Info		loading Fetching your data...
Possible Finance Mobile Installment Loans			$500	As fast as 1 business day	Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+	Borrow up to $500 with just a few swipes — but only for residents of 5 states.	Go to site More Info		loading Fetching your data...
BadCreditLoans.com			$5,000	Varies	Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.	With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.	Go to site More Info		loading Fetching your data...
CashNetUSA Loan			Varies by state	As fast as same business day	Regular source of income, bank account, US citizen or permanent resident, age of majority in your state	Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.	Go to site More Info		loading Fetching your data...

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What’s involved with a Kansas City payday loan?

• Choose the best lender for you. It can be tempting to pick a single lender when you’re face with an emergency expense, but with so many options available in Kansas City, you’re better off comparing your rates and finding a lender that offers you the best terms.
• Quick turnaround time. Unlike other credit options, you can find out if you’re approved for a payday loan in a matter of minutes. Once you submit your application, whether it’s done online or in-store, you’ll be processed and know if you’ve gotten the loan quickly.
• Do what you want with the money. Payday loans are meant to fill the gaps in your budget. If this means using it for a car repair or vet bill or anything in-between, you can. As long as what you use the money for is legal, there will be no questions asked.

How do I apply for a payday loan in Kansas City, Missouri?

Applying for any type of short-term loan in Kansas City is simple. You can either apply online or by visiting a payday store, but before you start an application, you’ll need to meet some basic eligibility criteria. Lenders require that you have a regular source of income, be a citizen or permanent resident of the US and be at least 18 years old.

Every application is different, but you’ll need to provide some of these personal details.

• Your full name
• Your date of birth
• Your state-issued ID
• Your Social Security number
• Your employment details
• Your gross monthly income
• Your address and contact information
• Your bank account details

You should consider your alternatives before you commit to a loan

Payday loan locations near you in Kansas City, MO

Payday loan locations in Kansas City

Frequently asked questions

• What is the typical payday loan term?

  Missouri law states you can take out a payday loan for 14 to 31 days. This means you’ll have two to four weeks to pay back the full amount of your loan depending on what your contract states.

• Can I roll over my payday loan?

  If you’re unable to make your payment on the due date, you can roll over your loan up to six times as long as you reduce the principal amount by 5% each time. For example, if you owe $175, you’ll need to pay the lender about $8.75 before you can roll over your loan.

• How many loans can I have out at once?

  You can only have one outstanding loan of up to $500 at any time. Before you take out a new one, your previous loan, including principal and interest, must be repaid in full.