Cash Advance and Payday Loans in Kansas City, MO.

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Kansas City residents who need emergency money but don't have access to traditional forms of credit can request for cash advance and payday loans. These loans are also known as "emergency loans" because they can help address unexpected expenses. In Kansas City, MO, payday lenders should have a license issued by the state's Division of Finance to operate legally. Before submitting a loan request, read on for more information about Kansas City’s lending regulations.

Advantages of Taking out Payday Loan in Kansas City

Taking out payday loans in Kansas City has several advantages.

  • Requesting a loan is fast, easy, and requires minimal documents.
  • Payday loans are unsecured loans. This means that the consumer doesn’t have to secure the loan with collateral.
  • Requesting a payday loan online is convenient and flexible. The consumer can request the loan from the comfort of their home any time of the day.
  • Consumers with damaged credit scores may qualify for a loan. Some lenders may consider income alongside credit when determining a consumer’s eligibility.

How to Get a Cash Advance and Payday Loan in Kansas City?

Kansas City residents can request for payday loans online through the lender's official website. The lender will require your personal and financial information for review. If the consumer is approved for a loan, the lender may provide the funds in as little as one business day.

Cash Advance and Payday Loans Requirements

To request a payday loan in Kansas City, consumers must be at least 18 years of age and present the following documents:

  • Government-issued ID
  • Proof of residence
  • Proof of income
  • Personal checking account
  • Social Security number

Costs and Regulations of Cash Advance and Payday Loans in Kansas City, MO

In Kansas City, the maximum loan amount is $500. The loan term can be from 7 to 30 days. The average APR ranges around 391%. However, interest and fees cannot exceed 75% of the principal balance. Kansas City residents can request two payday loans from the same lender simultaneously. Additionally, consumers may roll over their loans up to six times.

Lenders are prohibited from pursuing any criminal action against consumers. However, when consumers can't pay off their loan, the lender may charge a $25 NSF fee and a late fee totaling 5% of the amount advanced. Moreover, state law requires lenders to provide a copy of the loan agreement to the consumer, including all the information about the lending transaction.

You can check the rules and regulations for Kansas City, MO, in the Statutes §16a-2-404 and §16a-2-405.

Installment Loans in Kansas City

Residents of Kansas City who need unsecured loans of more than $500 can request for installment loans. Like payday loans, consumers can send a loan request online through the lender's website. Also, they need to present the same documents required for payday loans.

In Kansas City, consumers can request installment loans up to $2,000. Consumers should pay back the loan in equal monthly payments. The loan term is up to 12 months. The interest rate varies based on the amount requested, the period, and the lender. However, the APR for installment loans in Kansas City is around 450%.

Requesting Title Loans in Kansas City

Kansas City residents can also request for car title loans if they own a vehicle. Unlike payday loans and installment loans, title loans are secured loans. Auto title loans are taken out against a consumer's vehicle and can be used in emergencies. However, it's important to note that the lender will gain possession of the car when a consumer defaults on the loan.

The maximum loan amount is $5,000, but there is no cap on interest rate costs. This means that lenders can charge high fees. In addition, Kansas City consumers cannot take out loans for less than 30 days and can only renew terms after paying 10% of their initial loan.

In Kansas City, title loan lenders should follow the state's Title Loans Law (Mo. Rev. Stat. §367.500-367.533) citation. In addition, there are regulations in place to protect consumers from predatory lending practices. For example, neither the lending party nor the consumer can waive their rights to bring suit if the other breaches their contract terms. Further, lenders cannot give out loans without a clear vehicle title, nor can they use "pawn" or "pawnbroker" terms.

Kansas City consumers can request for a title loan at a storefront lender or online. Consumers are typically required to present the following information:

  • A state-issued ID or driver's license
  • Title of the vehicle to be borrowed against
  • Proof of income or bank statements
  • Proof of residence

Consumers should note that lenders might also require a car inspection and proof of car insurance in some cases.

Our Favorite Kansas City, MO, Cash Advance, and Payday Loan Companies

There are many reputable cash advance and payday loan companies in Kansas City, MO. Some of the most respected companies include Check Into Cash and Advance America.

Check Into Cash

Check Into Cash offers online installment loans, title loans, bill payment services, check cashing, reloadable prepaid debit cards, Western Union money transfers, and money order services. Kansas City residents can start a loan request online or in the store.

The lender offers payday loans ranging from $50 and $1,000 with APR over 300%. Check Into Cash is BBB (Better Business Bureau) accredited.

Advance America

In comparison, Advance America provides payday loans up to $500, installment loans up to $3,000, and title loans up to $25,000. The company also offers additional financial services, such as Western Union money transfer and Visa prepaid cards. Financing from Advance America is accessible online and at their 10 Kansas City, MO locations.

Company name
Address
Phone
A A Legal Resources
1605 Northeast 67Th Terrace Kansas City MO, 64118
816-413-0806
Advance America
7932 North Oak Trfy Suite 204 Kansas City MO, 64118
816-436-9182
Advance America
7932 Northoak Trfcwy Kansas City MO, 64108
816-436-9182
Advance America
4343 North Chouteau Trfy Kansas City MO, 64117
816-455-0444
Advance America
Kansas City Kansas City MO, 64108
816-455-0444
Advance America
7114 Northwest Prairie View Road Kansas City MO, 64151
816-505-2136
Advance America - Kansas City
3907 Main Street # A Kansas City MO, 64111
816-931-0075
Advance America - Kansas City
Kansas City Kansas City MO, 64116
816-436-9182
Advance America Cash Advance - Grandview
12903 South 71 Highway Kansas City MO, 64101
816-765-5633
Advantage Carpet Care
1111 Burlington Street Kansas City MO, 64116
816-472-4257
Alamo Cash Advance
Kansas City Kansas City MO, 64108
816-436-3348
American Payday Loans
5520 Ne Antioch Rd Kansas City MO, 64119
816-459-7070
American Payday Loans
5520 Northeast Antioch Road Kansas City MO, 64119
816-459-7070
American Payday Loans
7544 Stadium Drive Kansas City MO, 64129
816-353-1500
Cash Box
1813 Grand Boulevard Kansas City MO, 64108
816-421-4466
Cash Box
2532 Independence Avenue Kansas City MO, 64124
816-241-2900
Cash Now Inc
6303 Main Street Kansas City MO, 64113
816-763-6669
Check Cashing
3115 Stadium Drive Kansas City MO, 64128
816-923-1313
Check Into Cash Of Missouri
6152 Raytown Trfy Kansas City MO, 64133
816-356-4446
Check Into Cash Of Missouri
5720 Ne Antioch Rd Kansas City MO, 64119
816-454-2590
Check Into Cash Of Missouri
5720 Northeast Antioch Road Kansas City MO, 64119
816-454-2590
Check Into Cash Of Missouri
12121 Blue River Road Kansas City MO, 64146
816-763-7700
Check Recovere Inc
1044 Main Street Suite 800 Kansas City MO, 64105
816-842-6166
Check ’n Go
9262 Blue Ridge Blvd Kansas City MO, 64138
816-966-0055
Checks Cashed
6915 North Oak Trfy Kansas City MO, 64118
816-420-8383
Checks Cashed
4701 Troost Avenue Kansas City MO, 64110
816-753-1509
Exodus Funding Solutions
10606 N Harrison St Kansas City MO, 64155
816-734-4885
First Payday Loans
1019 E 63Rd St Kansas City MO, 64110
816-822-2400
Grandview Loan & Laundry Llc
1609 Little Kansas City MO, 64101
816-763-4541
Kansas City Check Cashers
1813 Grand Blvd Kansas City MO, 64108
816-421-4466
Kansas City Check Cashers
3849 Prospect Ave Kansas City MO, 64128
816-921-7788
Kansas City Terminal Fed Cu
1015 Avenida Cesar E Chavez Kansas City MO, 64108
816-842-6473
LendNation
11824 Blue Ridge Blvd Kansas City MO, 64134
816-966-0799
LendNation
11824 Blue Ridge Blvd Kansas City MO, 64134
816-966-0799
LendNation
10151 Wornall Rd Kansas City MO, 64114
816-943-0444
LendNation
6501 Troost Ave Kansas City MO, 64131
816-926-9977
LendNation
7765 NW Prairie View Rd Kansas City MO, 64151
816-587-6251
LendNation
600 Linwood Blvd Kansas City MO, 64109
816-531-2030
LendNation
4029 N Oak Trafficway Kansas City MO, 64116
816-453-2650
LendNation
4331 N Chouteau Trafficway Kansas City MO, 64117
816-452-8031
LendNation
5358 Independence Ave Kansas City MO, 64124
816-231-2400
Loan N Go
Kansas City Kansas City MO, 64108
816-756-0626
Money Express Check Cashing Service
Kansas City Kansas City MO, 64108
816-861-2274
Money Express Check Cashing Service
3800 Broadway Street Kansas City MO, 64111
816-471-2274
Money Express Check Cashing Service - North Kc Mo
2520 Northeast Vivion Road Kansas City MO, 64118
816-861-2274
Money Mart Financial Svcs
10408 Blue Ridge Boulevard Kansas City MO, 64134
816-765-6659
Money Station
1819 Vine Street Kansas City MO, 64108
816-221-2405
Moneymart Check Cashing Services
10408 Blue Ridge Boulevard Kansas City MO, 64134
816-472-6669
National Cash Advance
8666 East 63Rd Street Kansas City MO, 64133
816-436-2877
National Cash Advance
6581 North Oak Trfy Kansas City MO, 64118
816-436-2877
New Money Express Inc
2520 Ne Vivion Rd Kansas City MO, 64118
816-861-2274
Pawn City Inc
6600 North Oak Trfy Kansas City MO, 64118
816-468-7296
Paycheck Advance Inc
6405 North Oak Trfy Kansas City MO, 64118
816-421-5560
Payday Loans
12008 East 40 Highway Kansas City MO, 64129
816-737-1818
Payless Check Cashing
Kansas City Kansas City MO, 64108
816-753-6669
Payless Check Cashing
8439 Wornall Road Kansas City MO, 64114
816-333-6800
Phone Banc
4035 Broadway St Kansas City MO, 64111
816-531-2055
Qc Financial Services Inc
3115 Stadium Dr Kansas City MO, 64128
816-923-1313
Qc Financial Services Inc
11828 Blue Ridge Blvd Kansas City MO, 64134
816-966-0799
Qc Financial Services Inc
4701 Troost Ave Kansas City MO, 64110
816-753-1509
Qc Financial Services Inc
5100 Independence Ave Kansas City MO, 64124
816-231-4545
Qc Financial Services Inc
6309 Troost Ave Kansas City MO, 64131
816-444-1313
Quick Cash
8110 East 69Th Street Kansas City MO, 64133
816-454-4445
Quik Cash
1129 Brooklyn Avenue Kansas City MO, 64127
816-842-5700
Quik Cash
8725 Blue Ridge Blvd. Kansas City MO, 64138
816-966-8883
Quik Cash
8725 Blue Ridge Blvd Kansas City MO, 64138
816-966-8883
Quik Cash
5100 Independence Avenue Kansas City MO, 64124
816-231-4545
Quik Cash
71 Highway & Blue Rdg Kansas City MO, 64101
816-966-0799
S Quik Cash
47Th & Troost Kansas City MO, 64108
816-753-1509
S Quik Cash
Blue Ridge & 71 Highway Kansas City MO, 64108
816-966-0799
S Quik Cash
5100 Indep Avenue Kansas City MO, 64108
816-231-4545
S Quik Cash
8110 Northeast 69 Highway N Of The Kansas City MO, 64116
816-454-4445
S Quik Cash
63Rd & Troost Kansas City MO, 64108
816-730-3330
Speedy Cash
1331 East 63Rd Street Kansas City MO, 64110
816-336-2274
Speedy Cash No 18
1331 East 63Rd Street Kansas City MO, 64110
816-363-2274
Temp-Air
1115 East 16Th Avenue Kansas City MO, 64116
816-471-7772
U S Check Cashing
700 East Linwood Boulevard Kansas City MO, 64109
816-753-1166
U S Check Cashing
4035 Broadway Street Kansas City MO, 64111
816-531-2055
U S Check Cashing
700 E Linwood Blvd Kansas City MO, 64109
816-753-1166
Western Union Money Transfer
10408 Blue Ridge Hickman M Kansas City MO, 64108
816-472-6669
Western Union Money Transfer
8437 Wornall Road Kansas City MO, 64114
816-333-6800

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