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Find the Best Payday Loans in Kansas City

It's not uncommon to face small, unexpected costs between pay periods. For those looking for a fast and easy loan, online lenders as well as those with a local store can bridge the gap. Here are the best payday lenders in Kansas City and what to keep in mind when applying for this loan.

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Speedy Cash
Overall satisfaction rating
  • Online loan application
  • Offers short-term loans
  • Line of credit loans available
  • Cash for gold services

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Overall satisfaction rating
  • Instant loan decision
  • Financial education tools
  • Cash advances up to $500
  • 10+ years of experience

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.

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Waldo Financial
  • Apply for loans online
  • Installment & title loans
  • Flexible repayment plans
  • Cash for gold services
8437 Wornall Rd.
Kansas City, MO 64114
(816) 333-6800
  • Brief application process
  • Alternative payday loans
  • Free credit education
  • Credit monitoring service
Online lender only
Available for residents in Kansas City, MO
(855) 922-4425
Advance America
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 10am - 3pm
  • Closed Sun
3907-A Main St.
Kansas City, MO 64111
(816) 931-0075
AmeriCash Loans
  • M-F: 10am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • americashloans.net
3375 Main St.
Kansas City, MO 64111
(816) 960-7149
ACE Cash Express
  • M-F: 8am - 8pm
  • Sat: 9m - 6pm
  • Closed Sun
  • acecashexpress.com/locations/missouri
6303 Main St.
Grandview, MO 64030
(816) 382-0095
Check 'n Go
  • M-F: 9am - 8pm
  • Sat: 9am - 5pm
  • Closed Sun
  • checkngo.com/missouri/kansas-city
9262 Blue Ridge Blvd.
Kansas City, MO 64138
(816) 966-0055
Money Mart
  • M-Sun: 9am - 8pm
  • moneymart.com
10408 Blue Ridge Blvd.
Kansas City, MO 64134
(816) 765-6659
Midwest Title Loans
  • M-F: 9am - 6pm
  • Sat: 8am - 1pm
  • Closed Sun
  • midwesttitleloans.info
330 W. 85th St.
Kansas City, MO 64114
(816) 363-8600
SimpliFast Lending
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • simplifastlending.com
4312 Rainbow Blvd.
Kansas City, KS 66103
(913) 257-3900
King of Kash
  • M-F: 10am - 6pm
  • Sat: 10am - 1pm
  • Closed Sun
  • kingofkash.com
8304 Wornall Rd.
Kansas City, MO 64114
(800) 892-3006

Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

How to get a payday loan in Kansas City

kc payday loans skyline

Each year, more than 12 million Americans use payday loans to keep from defaulting or paying late penalties that could affect their credit. Although more than a dozen states have outlawed payday lending, both Kansas and Missouri allow the practice.

Before committing to a payday loan, it’s important to research your cash options. Alternatives to payday loans include establishing a savings plan, reaching out to friends or family for a small loan or using a 0% APR credit card. Each state also has lending programs for specific unexpected costs, including Kansas’ LIEAP program and Missouri’s LIEAP program. Federal and state food stamp programs are also a resource.

Missouri is one of the most lenient states when it comes to payday loan regulations, making it one of the top producers of payday loans in the country. In 2016, more than $1.62 million in payday loans were reported, with an average loan cost of about $315 and average interest rate of 463 percent.

Below is a list of requirements for payday lender rates in both Kansas and Missouri. Amounts and interest vary widely.

Amount Period Finance rate APR
KS >$500 Between 7-30 days >15% from a $100 loan >390% for a $100 loan given for a 2-week period
MO >$500 Between 14-31 days >75% for amount of loan >1,950%

Companies in Missouri are able to obtain a payday loan license simply by applying and paying a fee. There are no background checks or determination of financial capability when it comes to establishing a company. This means it’s extra important for Kansas City, Missouri, residents to research the reputation of the company to make sure it’s legitimate.

Checking a company’s reviews to see customer experiences and checking the lender's page on the Better Business Bureau are easy ways to make sure you are working with a good company. Compare offers from multiple lenders to find the best low-interest rate payday loan. And be sure to read the entire loan agreement and ask questions.

Application rules for payday loans in Kansas and Missouri are the same:

  • At least 18 years old
  • Citizen or permanent resident
  • Show proof of a regular source of income

Since the application does not require a traditional credit check, your credit will not be impacted by the application. If you are working with an online company for an online payday loan, you will most likely need to give the company access to your personal checking account for deposits.

Defaulting on a payday loan

Sometimes more unexpected costs happen and paying back a payday loan can be difficult. In Missouri, companies offer the ability to roll over the loan six times if they can lessen the principle by five percent before each renewal. This gives borrowers a bit more leniency when it comes to repayment. In Kansas, this is not allowed, but there are grace periods that can be granted.

In extreme cases, borrowers who cannot pay back the loans will be faced with more fees and could be taken to court for the full amount plus more interest.

Kansas City Payday Loans Reviews

Speedy Cash

Speedy Cash has many locations throughout the Kansas City area for those needing cash fast. Customers can apply in person, online or by phone. Rates and terms can easily be reviewed online, giving you the confidence that you're getting the best rate through a reputable company.

Speedy Cash


As one of America's prominent licensed online lenders, CashNetUSA has been trusted by more than 3 million Americans. CashNetUSA offers instant decisions on funding, 24/7 application services and no hidden fees or paperwork. Many reviewers have found CashNetUSA to be more helpful and lenient with unexpected costs and circumstances, all without leaving home.

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Waldo Financial

Since 1999, Waldo Financial has been helping Kansas City residents meet their financial goals. Working with a local, reputable company like Waldo Financial means skipping the nationwide search. Waldo Financial is licensed and regulated by the Missouri Division of Finance so you can be sure you're getting a deal that fits your needs and state regulations.

Waldo Financial


According to TechCruch, LendUp is a company “founded on a mission of financial empowerment.” With its low interest rates for payday loans, LendUp saved Americans $18.3 million in 2016. Customers can take free financial educations courses to reduce their fault risk and interest rates—proving the company's customer-first philosophy.