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Best Online Short-term Loans in Kansas City

Stuck in a financial bind? Short on cash before payday? Our Best Cash Advance Short-term Loans are your quick and easy solution! Unexpected expenses can throw your budget off track, leaving you stressed and worried about how to make ends meet. Don't let financial hiccups keep you up at night. Our short-term loans provide fast funds to cover your immediate needs, freeing you from financial pressure. Apply today and get back on solid ground with our simple, user-friendly service designed to get cash in your hands when you need it most. Your financial peace of mind is just a click away!

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Best Online Short-term Loans in Kansas City

Advance America
Financial institution
4.90
11 reviews

Address: 7636 State Ave, Kansas City, KS 66112

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (913) 788-3617

Website: advanceamerica.net/store-locations/kansas/7636-state-ave-kansas-city-66112

Services:

Financing Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Ach Loan Bill Payments Christmas Loans Consumer Financial Services Consumers Loans Credit Counseling Debit Card Loans Debt Management Dollar Loans Easy Cash Loans Emergency Loans Existing Loan Expanded Loan Fast Cash Loans Financial Loan Financial Services Financial Solutions Higher Loan Holiday Loans Home Improvement Home Loans In-Store Cash Advance Loan Applications Loan Payments Loan Processing Loan Refinancing Loan With No Credit Check Manage Loan Money Loans Money Services Money Transfers Netspend® Visa® Prepaid Card Netspend® Visa® Prepaid Cards New Loan No Credit Check Loans Online Bill Payments Online Cash Advances Online Lending Online Personal Loan Payment Plans Personal Finances Personal Loans Personal Loans For Bad Credit Prepaid Cards Quick Loan Quick Loans Refinance Loan Refinance My Loan Refinancing Options Registration Loans Repayment Plan Secured Loan Security Security Online Account Authentication Fraud Prevention Short Term Loan Short Term Loans Short-Term Lending Short-Term Loans Single Repayment Loan Small Loans Supervised Loan Terms Finance Unsecured Loans
LendNation
Loan agency
4.80
10 reviews

Address: 1716 Central Ave, Kansas City, KS 66102

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (913) 371-3000

Website: lendnation.com/location/ks/kansas-city/1716-central-avenue-0503

Services:

Business loans Signature loans Title loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Line of Credit Loan Funding Loan Payments New Loan Online Lending Payday Loans Pre Paid Debit Cards Short-Term Loans Small Loan
ACE Cash Express
Loan agency
4.70
20 reviews

Address: 6427 State Ave, Kansas City, KS 66102

Today's Business Hours: 8:00 AM - 8:00 PM

Phone Number: +1 (913) 334-6699

Website: acecashexpress.com/locations/kansas/kansas-city/2716

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
ACE Cash Express
Loan agency
4.60
13 reviews

Address: 701A Central Ave, Kansas City, KS 66101

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (913) 281-6400

Website: acecashexpress.com/locations/kansas/kansas-city/2720

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Never Too Much Money
Financial institution

Address: 748 N 63rd St, Kansas City, KS 66102

Phone Number: +1 (913) 730-6658

Services:

Disability insurance Health insurance Insurance claim consulting Life insurance Mortgage insurance Retirement insurance Free Consultation Insurance Advisory Medicare Supplement Mortgage Protection Retirement Strategies

Alternatives to Short-term Loans in Kansas City

Short-term loans cater to immediate financial needs with different options such as personal, installment, and title loans. Personal loans offer quick funds without collateral, often with higher interest rates, for those with urgent expenses. Installment loans allow borrowers to repay in fixed monthly payments over a short term, offering predictability and often requiring a credit check. Title loans use the borrower's vehicle as collateral, providing fast access to cash; however, they carry the risk of losing the vehicle if the loan is not repaid on time.

Best Personal Loan

MVP Personal Loans
5.00
6 reviews

Short-term personal loans are typically unsecured loans that allow borrowers to access a small amount of money quickly, often without the need for collateral. These loans are excellent for individuals who face unexpected expenses or emergencies and require immediate financial assistance. Personal loans are often provided by banks, credit unions, or online lenders who assess the borrower's creditworthiness to determine the loan amount and interest rate.

Best Installment Loan

Unity One Credit Union - Kansas City
4.00
5 reviews

Installment loans provide borrowers with a lump sum upfront, which is repaid over a predetermined period through scheduled payments, hence the name "installment." These loans typically have fixed interest rates and payment schedules, fostering predictable budgeting for the borrower. Installment loans are a practical choice for those needing to finance large expenses or purchases that cannot be covered in a single payment. Borrowers benefit from knowing the total cost of the loan at the outset, which helps them make informed financial decisions.

Best Car Title Loan

American Auto Credit Inc
3.30
6 reviews

Title loans are short-term loans that require the borrower to use their vehicle title as collateral in exchange for immediate cash. These loans are beneficial for individuals who might not qualify for traditional loans due to poor credit but own a vehicle outright. The best title loans offer lower interest rates compared to industry standards, quick approval processes, and customer-friendly terms, allowing borrowers to access the funds they need while still retaining the use of their vehicle.

Loan Regulations in Kansas

Short-term loans are regulated in Kansas to protect consumers while providing them with quick financial relief. These state-wide regulations stipulate that the maximum loan amount is $500, and the minimum loan term is 7 days, with a maximum term of 30 days. The finance charges for these loans are capped at 15% of the amount borrowed.

To be eligible for a short-term loan, borrowers typically need to provide proof of income, a valid government-issued ID, and an active checking account. The state also requires payday lenders to provide clear terms and conditions in their loan agreements, ensuring borrowers are fully informed about the fees, interest rates, and repayment expectations.

Short-Term Loan Calculator

day(s)
%
$

Estimated Payment

$327.12
Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Where to Use Short-term Loan

Individuals who have availed a short-term loan can utilize it for essential services provided by local businesses. This includes medical services for healthcare needs, car repair services for vehicle maintenance, legal services for any legal obligations, funeral services for managing last rites, and appliance services for purchasing or repairing essential household electronics.

Car Repair and Service
944 Osage Avenue, Kansas City, KS 66105
+1 (913) 371-6151
Community Center
757 Armstrong Avenue, Kansas City, KS 66101
+1 (913) 281-8908
Fast Food
635 South 7th Street Trafficway, Kansas City, KS 66105
Government Office
312 North 65th Street, Kansas City, KS 66102
+1 (913) 573-6815
Library
625 Minnesota Avenue, Kansas City, KS 66101
+1 (913) 295-8250
Local Post Office
4900 Speaker Road, Kansas City, KS 66106
+1 (913) 281-2979
Motel
4725 State Avenue, Kansas City, KS 66102
+1 (913) 287-5511
Movie Theater
1051 Merriam Lane, Kansas City, KS 66103
+1 (913) 262-2414
Museum
4601 State Avenue, Kansas City, KS 66102
+1 (913) 627-6700
Shopping Center
4601 State Avenue, Kansas City, KS 66102
+1 (913) 287-5579
Tourist Information Office
901 North 8th Street, Kansas City, KS 66101
Veterinarian
3722 State Avenue, Kansas City, KS 66102
+1 (913) 766-3355

FAQ

What are short-term loans?

Short-term loans are financial products designed to provide quick access to funds over a short repayment period. Typically, they are repaid within a few weeks to a few months. This type of loan is usually used for immediate or unexpected expenses, making it a popular choice for borrowers in urgent need of cash.

Can I get a short-term loan with bad credit?

Yes, you can get a short-term loan even with bad credit. Lenders offering these loans often focus on your ability to repay rather than your credit history. It’s important to note, however, that loans for those with bad credit might come with higher interest rates to offset the lender’s risk.

What are same-day loans?

Same-day loans are a type of short-term loan where the borrower can receive funds on the same day they apply. This feature makes them appealing to those who require immediate financial assistance. Approval and disbursement processes are typically fast-tracked, allowing quicker access to the needed funds.

How do short-term loans work?

Short-term loans are short-term loans intended to cover expenses until your next payday. They usually have a high interest rate and fees, with repayment due by your next payday, typically within two to four weeks. These loans are easy to qualify for, but they can become costly if not repaid on time.

What are the eligibility criteria for a short-term loan?

Eligibility for a short-term loan usually involves being at least 18 years old, having a steady source of income, and possessing an active bank account. Requirements may vary by lender, so it’s essential to check the specific criteria of the lender you choose to ensure you meet their conditions.

Are there risks associated with short-term loans?

Yes, there are several risks associated with short-term loans. The main risk is the high interest rates and fees, which can lead to a debt cycle if not managed properly. Additionally, failure to repay on time can negatively impact your credit score and lead to additional financial penalties.

How can I apply for a short-term loan?

Application processes for short-term loans are generally straightforward. You can apply online or in person by completing an application form that requires personal, financial, and employment information. After submitting your application, the lender will assess your details and decide on the approval and terms of the loan.

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Kansas City ZIP Codes

66012
66101
66102
66103
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66105
66106
66109
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66111
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66115
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66160