Payday loans in Kansas City, Missouri |

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Compare your loan options in Kansas City, Missouri

Find out what options are available in your city and how much a short-term loan might cost.


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Editor's choice: OppLoans Installment Loans

  • Easy online application
  • Quick approval
  • Long repayment terms
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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.

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

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 - $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.
 Check Into Cash Installment Loans
$100 - $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.
Fast5kLoans Short-term Loans Connection Service
$100 - $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.
Monevo Installment Loans
$500 - $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
$500 - $10,000
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.
LendYou Short-term Loans
$100 - $15,000
Same business day to 1 business day
$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.

Compare up to 4 providers

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

Must read: How much will a payday loan cost?

Missouri has one of the highest annual percentage rates (APR) in the country. This is because the fees for a payday loan can reach up to 75% of the total loan amount. That means you could potentially pay $75 for every $100 you borrow. In addition, if you miss a payment, you’ll have to pay a non-sufficient funds (NSF) fee set by the lender. If you default, you’ll be on the line for court costs and attorney fees.

If you decide to take out a payday loan at the state maximum of $500 and your contract states you’ll have to pay 75% of your loan, you’ll be on the line for $375 in fees and interest. On the due date, you’ll need to give the lender $875 dollars.

The most important practice when borrowing money is to compare your lenders and read your loan contract carefully. Lenders are legally required to tell you exactly how much you’ll have to pay by the end of the loan term. If you don’t like what you’re given, you can reject the offer and shop around for something better.

Payday loan locations near you in Kansas City, MO

Payday loan locations in Kansas City

  • Advance America. 7114 NW Prairie View Rd, Kansas City, MO 64151
  • Advance America. 7932 N Oak Trafficway Ste. 204, Kansas City, MO 64118
  • Advance America. 8666 E 63rd St, Kansas City, MO 64133
  • Advance America. 606 E 99th St, Kansas City, MO 64131
  • Tiny’s Quik Cash. 7315 N Oak Trafficway, Kansas City, MO 64118
  • AmeriCash Loans. 3375 Main St, Kansas City, MO 64111
  • Star Loans. 1025 E 75th St, Kansas City, MO 64131
  • King of Kash. 11112 Blue Ridge Blvd, Kansas City, MO 64134
  • Check Into Cash. 5720 NE Antioch Rd, Gladstone, MO 64119
  • American Payday Loans. 5520 NE Antioch Rd, Kansas City, MO 64119
  • PDQ Title Loans. 5800 E Truman Rd, Kansas City, MO 64126
  • SimpliFast Lending. 4312 Rainbow Blvd, Kansas City, KS 66103
  • American Payday Loans. 3609 S Noland Rd, Independence, MO 64055
  • American Payday Loans. 7544 Raytown Rd, Raytown, MO 64138
  • Payday Loans. Kansas City, MO 64114

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