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Find the Best Payday Loans in Kansas City, MO

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.

Top 12 Kansas City Payday Loan Companies

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Speedy Cash
Read 1,823 Reviews

Obtain payday and title loans with maximum amounts that vary by state. Payday loans range from $255-$2,500 and title loans range from $300-$25,000. Check cashing and money orders also available.

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CashNetUSA
Read 3,509 Reviews

Provides payday loans up to $1,800, which customers can receive the next business day. They also offer brokered installment loans up to $2,400, a savings program and access to free financial tools.

Silver Cloud Financial
Read 270 Reviews

This company offers tribal loans for people who need access to a short-term loan due to an emergency or financial hardship. Loans range from $300-$1,000. Apply online and get your funds the next business day.

Check Into Cash
Read 2,065 Reviews

Lender with 25 years in business offers payday loans up to $1,000 and title loans up to $25,000 with easy application process. Consumers can get funds the next business day. Installment loans and lines of credit also available.

Advance America Cash Advance
Read 349 Reviews

Supplies both payday and title loans online or at over 2,000 store locations. Amounts vary by state and vehicle specifics. Max payday loans range $100-$1,100 and max title loans range $300-$10,000.

Ace Cash Express
Read 405 Reviews

Payday loans in 8 states with max loan amounts $255-$1,500 and title loans in 7 states with max amounts $200-$5,000. Get cash instantly in-store or overnight with online applications. Offers 72-hour guarantee.

LendUp

This lender specializes in providing access to personal loans and credit cards to individuals with lower credit scores. They also provide credit education and financial tools to help manage credit and financial planning.

King of Kash Read Author Review

Offers signature and payday loans from $100 to $3,000 to Kansas City residents. Allows customers to apply online. Approves applications in minutes. Provides loans for customers with no credit.

LendNation Kansas City Read Author Review

Provides in-store and online payday loans in Missouri and Kansas up to $500. Doesn’t consider your credit score. MO: Maximum in-store APR of 522%; maximum online APR of 652%. KS: 391% APR on 14-day loan.

Missouri Title Loans Inc. Read Author Review

Provides signature installment loans, an alternative to payday loans, with convenient monthly payments. Lends up to $1,250 in Missouri. Requires credit check. Allows clients to start applications online. Live chat on website.

PDQ Payday Loans Read Author Review

Offers payday loans in Missouri from $50 to $500. No credit check. Requires only photo ID, bank statement and pay stub. Apply in store.

Waldo Financial Read Author Review

Offers payday loans in Missouri up to $500. Accepts applications online, over the phone or at its store. Gives instant approval decisions. Doesn’t require good credit. Maximum APR of 469.29%.

kansas city skyline

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:

 MissouriKansas
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.

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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
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.