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Best Payday Loans in Kansas City, MO

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A payday loan lets you borrow cash right away and pay it back using your next paycheck. Many businesses offer these quick loans in Missouri. We researched the best payday loans in Kansas City so you know which ones have the lowest rates, friendliest policies and most satisfied customers.

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Top 12 Kansas City Payday Loan Companies

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Missouri payday lenders made nearly 1 million payday loans from October 1, 2017, to September 30, 2018, according to the Missouri Division of Finance. Consumers borrowed an average amount of just more than $300 and paid an average annual percentage rate (APR) of 526%. Across the border, people took out 685,000 payday loans in Kansas in 2018, according to the Office of the State Bank Commissioner of Kansas. Borrowers there pay APRs as high as 391% on 14-day loans.

Kansas City payday loan laws

Payday loans are legal in both Missouri and Kansas. Kansas City payday loan companies in Missouri are regulated by the Missouri Division of Finance, and lenders offering payday advances in Kansas are regulated by the Office of the State Bank Commissioner of Kansas.

The table below shows what to know about payday loan laws in both states:

Maximum loan amount$500$500
Payment term14 - 31 days7 - 30 days
Maximum interest/fees75% of initial loan amount for life of loan, including renewals15% of the amount of the loan; one nonsufficient funds fee and 3% per month of outstanding loan amount
Typical APR on a 14-day loanAt least 450%391%
RenewalsLimited to sixNot allowed
Right to cancel the loan with no penaltyYes, by close of next business dayYes, by close of next business day

You can check if a payday lender in Kansas City is licensed in Missouri on the Missouri Division of Finance's website. To find out if a payday lender in Kansas is a licensed supervised lender, search the Office of the State Bank Commission of Kansas' website.

Requirements to get a payday loan in Kansas City

Qualifying for a payday loan in Kansas City isn’t difficult if you have a steady source of income. You don’t need good credit, so don’t worry if you have a history of late payments, unpaid debt or even bankruptcy.

Depending on the lender, you can apply for a payday advance in Kansas City online, over the phone or at a physical location. Once you weigh the pros and cons of a payday loan and decide to proceed, here’s what to have ready:

  • Your government-issued photo ID
  • Your Social Security number and proof of residency
  • A personal check
  • Your latest checking account statement
  • Proof of steady income

Applying for a payday loan in Kansas City usually only takes minutes. Once you complete your application, you get a quick approval decision. Read your contract carefully so you know how much the loan costs, when payment is due and how to make a payment. If you have questions, ask the lender. If you’re applying in a store or have applied online and pick up your cash at the store, funds are usually available on the same day. Online payday loans in Kansas City paid by electronic deposit may take up to two business days to show up in your bank account.

Kansas City payday loan FAQ

What are some alternatives to payday loans in Kansas City?
There are plenty of alternatives to payday loans in Kansas City that are less expensive. Before signing for a payday loan, you might try applying for a loan at a bank or credit union, asking a relative or friend for a loan, requesting a paycheck advance from your employer or working out extensions with creditors.
Is it hard to get a payday loan in Kansas City?
No, it’s not difficult to get a payday loan in Kansas City. In general, all you need is a photo ID, checking account and proof of steady income. You don’t need good credit — some lenders offer payday loans in Kansas City with no credit check.
What kind of loan can I get with bad credit?
Payday loans are readily available to those with bad credit. If you own a vehicle to use as collateral, a title loan is an option. And some lenders offer other types of personal loans that don’t require perfect credit scores.

Not sure how to choose?

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    Kansas City payday loan company information

    Waldo Financial

    Waldo Financial and been in business since 1999 and offers payday loans in Kansas City up to $500. Customers can apply online or over the phone, then pick up their cash at the Waldo Financial location. To qualify, you need to be a U.S. resident who’s at least 18, have a regular income, have a bank account in good standing, use direct deposit and make at least $1,500 per month.

    • Address: 8437 Wornall Road, Kansas City, MO 64114
    • Phone: (816) 333-6800
    • Hours: Call for hours
    • Website: waldofinancial.com
    LendNation Kansas City

    LendNation has been providing payday loans for more than 30 years. It operates about 250 locations in 13 states, including Kansas and Missouri. Visit a store and get same-day cash or apply online and receive cash by the next business day. To apply, you need a government-issued photo ID, active checking account, verifiable source of income, two references and a working phone number. LendNation doesn’t use your credit score when deciding to approve your payday loan in Kansas City.

    • Address: 5358 Independence Ave., Kansas City, MO 64124; Multiple locations
    • Phone: (816) 231-2400
    • Hours: M - Th: 8am - 8pm; F: 8am - 10pm; Sat: 8am - 8pm; Sun: 10am - 4pm
    • Website: lendnation.com
    Missouri Title Loans Inc.

    Missouri Title Loans Inc. offers signature installment loans, an alternative to payday loans in Kansas City. Customers can borrow up to $1,250 and make monthly payments. Applicants need a driver’s license or state-issued ID, a checking account statement and proof of income. Start the process by filling out an online form and a representative contacts you after receiving your information.

    • Address: 3731 Main St., Kansas City, MO 64111; Multiple locations
    • Phone: (816) 931-4023
    • Hours: M - F: 10am - 7pm; T - Th: 10am - 6pm; Sat: 9am - 4pm
    • Website: missourititleloansinc.com
    PDQ Payday Loans

    PDQ Payday Loans advertises “fast, hassle-free” payday loans in Kansas City. It lends from $50 to $500 with no credit check. Applicants need a photo ID, bank statement and pay stub to demonstrate proof of income. Visit its store or send a message using the online form on PDQ Payday Loans’ website.

    • Address: 5800 E. Truman Road, Kansas City, MO 64126
    • Phone: (816) 483-1810
    • Hours: Call for hours
    • Website: mypdqloan.com
    King of Kash

    King of Kash offers signature and payday loans to Kansas City customers. Customers can apply online using their state ID number, Social Security number, proof of income and banking information. Upon approval, customers can pick up their cash in the company’s Blue Springs office. King of Kash does not require a credit check, so residents with no credit or bad credit can be approved.

    • Address: 716 NW Highway 7, Blue Springs, MO 64014
    • Phone: (816) 220-8050
    • Hours: M - F: 10am - 6pm, Sat: 10am - 2pm
    • Website: kingofkash.com

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