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.
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Top 12 Kansas City Payday Loan Companies | ||||||
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| Online lender offering payday loans, installment loans, and line of credit products. Can lend up to $800 with loan terms anywhere between 8 and 31 days. Borrowers apply online and receive an instant lending decision. | ![]() | Get Pricing | |||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | ||||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | ||||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | ||||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | ||||
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| 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. | ![]() | ||||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
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. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
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%. | ![]() | Chat with a ConsumerAffairs decision guide Live agent |

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:
Missouri | Kansas | |
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Maximum loan amount | $500 | $500 |
Payment term | 14 - 31 days | 7 - 30 days |
Maximum interest/fees | 75% of initial loan amount for life of loan, including renewals | 15% of the amount of the loan; one nonsufficient funds fee and 3% per month of outstanding loan amount |
Typical APR on a 14-day loan | At least 450% | 391% |
Renewals | Limited to six | Not allowed |
Right to cancel the loan with no penalty | Yes, by close of next business day | Yes, 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
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Kansas City payday loan company information

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 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. 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 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 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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