Kansas City, MO · Midwest · Allowed
Payday loans in Kansas City
Kansas City is governed by Missouri's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Missouri. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Kansas City
481,420 residents · Cass County / Clay County / Jackson County / Platte County Median household income is $45,821 — below the Missouri median of $52,410.
17 storefront locations of 10 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1FirstCashAdvance - Missouri Check Cashing/Pay-day Loans, Installment Loans | 107 W 9th St 2nd Floor, 64105 | (816) 317-0727 | Mon 8:00 AM - 10:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 3907-A Main St, 64111 | (816) 931-0075 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 4343 NE Chouteau Trafficway, 64117 | (816) 455-0444 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 8666 E 63rd St, 64133 | (816) 313-6318 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Installment Loans | 606 E 99th St, 64131 | (816) 943-6565 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 7932 N Oak Trafficway Ste 204, 64118 | (816) 436-9182 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 7114 NW Prairie View Rd, 64151 | (816) 505-2136 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cardinal Loans Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 4050 Pennsylvania Ave, 64111 | (816) 239-3543 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| EZ Money Check Cashing Check Cashing/Pay-day Loans, Notaries, Installment Loans | 1828 Walnut St, 64108 | (816) 839-7202 | Mon 8:00 AM - 8:00 PM · hours vary |
| Imperial PFS Installment Loans | 1055 Broadway Blvd Fl 11, 64105 | (816) 627-0500 | Hours not listed |
| King of Kash Installment Loans | 8304 Wornall Rd, 64114 | (816) 448-2004 | Mon 10:00 AM - 6:00 PM · hours vary |
| Loan N Go Installment Loans, Check Cashing/Pay-day Loans | 4910 N Oak Trafficway, 64118 | (816) 452-1996 | Mon–Fri 10:00 AM - 5:30 PM · Sat–Sun Closed |
| Premium Financing Specialists Installment Loans | 427 W 12th St, 64105 | (816) 627-0500 | Hours not listed |
| Security Finance Installment Loans | 3611 Main St Ste 107, 64111 | (816) 561-4774 | Mon 9:00 AM - 5:30 PM · hours vary |
| Security Finance Installment Loans | 6514 N Oak Trfy, 64118 | (816) 420-8500 | Mon 9:00 AM - 5:30 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 3947 Main St, 64111 | (816) 931-0984 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Title Loans, Installment Loans | 1331 E 63rd St, 64110 | (816) 363-2274 | Mon 8:00 AM - 8:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Missouri page before visiting. Spot an error? Report it.
The online route in Kansas City
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Missouri follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Missouri regulator.
The rules behind the numbers
Payday loans are high-cost loans designed for short-term financial emergencies and should not be used for long-term borrowing.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 443% APR. Every compliant lender in Kansas City has to fit inside that schedule.
Statute: Mo. Rev. Stat. § 408.500 et seq.
Regulator: Missouri Division of Finance · finance.mo.gov
Questions people ask in Kansas City
Are payday loans legal in Kansas City, MO?
Yes. Storefront payday lending is permitted across Missouri, and Kansas City runs under the same state rules: maximum loan $500, fees capped at 75% of initial principal limit for interest/fees combined. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Kansas City?
The same as anywhere in Missouri: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Kansas City?
17 storefronts are listed in Kansas City in our 2022-02-20 directory snapshot (10 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Kansas City?
Complaints about a lender go to the Missouri Division of Finance (finance.mo.gov) — keep the loan agreement and every fee disclosure you were given.