Cash Advance Kansas City

Alternatives for cash advance Kansas City range from the largest payday lender in the US, Advance America, to a locally owned company, Waldo Financial.

Of these Waldo Financial is located on the Missouri side of the border, but there are a lot of payday lending outlets on the Kansas side as well.

The payday loan laws and regulations differ greatly between Kansas and Missouri, so you should get to know these laws in detail before considering taking a cash advance loan, to fully understand your rights as a consumer.

In Missouri, the state has provided a total of around 1,005 licenses to payday lenders, while in Kansas, about 76 companies in 362 locations have been licensed to participate in cash advance lending.

Therefore, there is a lot of competition for your business, but you should also research the alternatives to payday advance loans, to see if they provide better financial options.

Some of these alternatives include getting a small consumer loan from a local bank, taking a cash advance from a credit card, and negotiating a salary advance from an employer.

Payday loans are NOT intended to be long-term financial solutions, and even in the short-term, their high costs of borrowing, as evidenced by the associated high annual percentage rates (APRs) of interest, you should look for alternatives to getting one.

Payday Loans in Kansas City

Most of the nationally recognized payday loan chains have operations within Kansas City, and some operate online websites, so that you can apply for a loan from your home.

According to statistics by Pew Research, however, nationally around 75% of payday loan customers decide to visit a store in person.

Among the popular choices in the city for taking a cash advance is Advance America, the largest payday lender in the United States with over 2,400 outlets.

In the city, a search for their stores, using the company's store finder tool (available from the official website) returned 27 available payday loan locations within 20 miles of Kansas City, MO.

Advance America also operates an online payday loan service, in co-operation with CashNetUSA, which in turn has served over 1 million customers for cash advances nationwide.

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Cash advances should be used for short-term financial needs only, not as a long-term financial solution.

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