Payday loans in Kansas City, Missouri |
Payday loans in kansas city

Compare your loan options in Kansas City, Missouri

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If you’re thinking about taking out a payday loan, compare your options in Kansas City.

A payday loan could get you through a rough financial patch if you don’t have the best credit and need money quickly. This guide will help you learn about your short-term loan options, but keep in mind that payday loans are a temporary fix and can be costly if you use them too often.

CashNetUSA Loan

For fast cash: CashNetUSA

Get a payday loan, installment loan or line of credit, depending on state availability.

  • Loan Amount: Varies by state
  • Turnaround Time: 1 business day
  • 15% off initial loan fee on payday loans or brokered loans
  • Quick application, no collateral needed
  • Bad credit is OK

    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

    Rates last updated January 20th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    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

    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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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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