What is a Payday Loan? Kansas City KS

What is a Payday Loan?

What is a Payday Loan?

A payday loan is a short-term loan that is typically repaid on your next payday. This differs from traditional loans, which give you an extended period for repayment in smaller installments and with a longer period of interest payments. With a payday loan you get approved more easily, have greater access, and can get smaller loan amounts than if you went for a traditional or bank loan.

Who Can Use a Payday Loan?

Anyone with an income can apply for and use a payday loan. In general, you must be at least 18 years old and a legal resident in the U.S. You also need to have a bank account for deposit of the funds and repayment. Otherwise, there are very few restrictions on who can use these loans as compared to other kinds of lending.

Who Benefits from Payday Loans?

Most people who work and occasionally struggle to make ends meet between paydays can benefit from these loans. If you live from payday to payday and sometimes run out of the cash needed to pay the bills, buy groceries, or gas up the car these loans can be a big help. You get quick cash, easily, and without the hassle of going through a credit check or going into a bank. So, if time is an issue and you have a busy schedule, you’ll benefit from this quick and convenient loan.

Where Do I Apply for a Payday Loan?

Payday loans are usually available online, although you’ll also find loan and cash advance stores in your community. The online option is most convenient, and many lenders also have a mobile app you can use. All you need to access the application for the loan is a computer or a mobile device, so apply at home, at work, or on the go.

When Can I Get a Payday Loan?

With the online and mobile options for applying, you can get a payday loan whenever you want. Bank and shop hours are limited, and work may prevent you from getting there during business hours. If you use the online application or app you can apply at night, on the weekends, and even on holidays.

How Do I Get Approved?

Getting approved for a payday loan is simple. You need to show you are a legal resident, have a bank account, and have a job. Your income may need to meet a certain minimum, but it is reasonable for most people at about $1,000 per month. Most payday lenders do not require a credit check or a minimum score for approval.

Why Should I Try a Payday Loan?

There are so many great reasons to use a payday loan the next time you have expenses and no cash ahead of payday. One is ease of use and convenience. Work it in around your busy schedule. Another is that approval is easy, so if you have been denied before you can still get cash. And finally, the money is fast. Get a quick solution to any money problem you have right now.

Local Companies

U.S. Bank - Turner Branch
(800) 872-2657
5249 Turner Road
Kansas City, KS
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Armour Branch
(800) 872-2657
One West Armour Boulevard
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
UMB Bank - 601 Minnesota Avenue Branch
(800) 860-4862
601 Minnesota Avenue
Kansas City, KS
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM after 3 uses per month.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Commerce Bank - 12th Charlotte Branch
(800) 453-2265
1125 Charlotte Street
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Commerce Bank for details.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - 31st & Main
(800) 432-1000
3100 Main Street
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - 7th Street Branch
(800) 872-2657
700 Central Avenue
Kansas City, KS
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Truman Medical Center Branch
(800) 872-2657
2301 Holmes Street
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
UMB Bank - Umb Bank, National Association
(800) 860-4862
1010 Grand Boulevard
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM after 3 uses per month.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - 38th Street Branch
(800) 432-1000
1314 North 38th Street
Kansas City, KS
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
UMB Bank - Marsh Sunfresh Westport
(800) 860-4862
4001 Mill Street
Kansas City, MO
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM after 3 uses per month.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Data Provided By:
Cit Group Small Business Lending Division
(816) 941-2090
11908 Troost Ave
Kansas City, MO
 
Central Bank Of Kansas City
(816) 483-1210
2301 Independence Blvd
Kansas City, MO
 
Nutter James B & Co
(816) 531-2345
4153 Broadway St
Kansas City, MO
 
Rainbow Loans
(816) 444-0101
5501 Troost Ave
Kansas City, MO
 
Americas Loan N Go
(816) 756-2121
3959 Broadway St
Kansas City, MO
 
Cole Taylor Business Capital
(816) 421-0642
2300 Main St
Kansas City, MO
 
World Finance Corporation
(816) 356-8500
6608 Blue Ridge Blvd
Kansas City, MO
 
King Of Kash
(816) 444-8032
8304 Wornall
Kansas City, MO
 
American Payday Loans Inc
(816) 459-7070
5520 Ne Antioch Rd
Kansas City, MO
 
Bank Of America
(816) 979-4461
6320 Prospect Ave
Kansas City, MO