Best Payday Loan Lenders in Kansas

Payday loans were introduced to the Kansas market back in 1991. Initially, the industry was somewhat unregulated. However, things changed in 2004. New laws came into effect, and since then, the regulators have been running a tight ship. Yet, not all payday loans Kansas has to offer are made equal, so we took an effort to select the best of the best in the Sunflower State. Scroll further to find out more!

Best Payday Loans Providers Kansas

ACE Cash Express Logo

ACE Cash Express

Empowering your financial success since 1968

ACE Cash Express was established in 1968 making them a household name in their niche. This company offers reliable online payday loans as well as in-store loans. Speaking of which, they run over 920 stores in 13 states. School of Ace is an interesting feature on their website that aims to help you manage your finances better.

Available in: CA, FL, ID, IN, KS, LA, MN, MO, OR, SC, TN, TX, VA

Loan amount: $50-$1,500 (some states might have a lower cap)

Loan term: 9-35 days

APR: Depends on the loan term (231-661%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Advance America

Advance America

Money today, momentum tomorrow.

One of the industry pioneers, Advance America has been in business since 1997. With over 1,400 physical stores across the continent and millions of clients served, Advance America offers some of the top payday loans on the market. They run a full-disclosure, no-nonsense kind of business where the customer always comes first.

Available in: AL, CA, CO, DE, FL, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, NE, NV, OH, OK, RI, SC, TN, TX, UT, VA, WA, WI, WY

Loan amount: Up to $1,000 (some states have a lower cap)

Loan term: 2-4 weeks

APR: Depends on the loan term (231-495%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Check City Logo

Check City

Quick Cash Loans at Check City

Over 30 years ago, back in 1986, Check City opened its first store in Virginia. The company was a huge success from the get-go, and they quickly expanded the business. Nowadays, you can find the Check City storefronts in four states or get an online loan.

Loan amount range: $100 to $510

Loan term: up to 32 days

APR: 460% for a two-week loan

Min. credit score: N/A

Finance charge: $17.65 for every $100 borrowed

Approval time: Almost instant

Funds available in: Same or next business day

Number of Hawaii stores: Online only

Online application: Yes

24/7 open: No

Check'n Go Logo

Check ‘n Go

Real solutions for real people

Check ’n go opened its doors to customers in 1994. Their first storefront was in Kentucky, and they’ve since expanded their business to over 20 states. This company offers quick payday loans, with interest rates that fall well within the industry average. With 26 years of experience and 1,000 stores across the US, you can’t go wrong with Check ‘n Go.

Available in: AL, CA, DE, FL, HI, ID, IL, IN, IA, KS, KY, ME, MI, MS, MO, NE, NV, ND, OH, OK, RI, SC, TN, TX, UT, WI, WY

Loan amount: $50-$1,500 (some states might have a lower cap)

Loan term: 10-35 days

APR: Depends on the loan term (214.68-661.80%)

Min. credit score: N/A

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Check into Cash Logo

Check into Cash

Your One Stop Money Shop

A true trailblazer, Check into Cash is among the best payday loans providers out there. The company was established in 1993, and they operate over 800 stores across 20 states. It is a well-established brand with numerous storefronts, which is quite reassuring to many customers. On the downside, they do run credit checks on new customers.

Available in: AL, AK, CA, DE, FL, HI, ID, IN, KS, MS, MO, NV, OK, OR, TN, TX, UT, WA, WI, and WY

Loan amount: $50-$1,000 (some states might have a lower cap)

Loan term: 14-30 days

APR: Depends on the loan term (261-782%)

Min. credit score: 300

Approval time: Almost instant

Funds available in: Same or next business day

Online application: Yes

Kansas Laws for Payday Loans

Just like any other location in the US, Kansas has its own rules governing short-term cash advances. Below, we’ve summarized the essentials.

State Law

Requirements for Payday Loans in Kansas

Payday Loans for Bad Credit in Kansas

Payday loans are a practical option for borrowers with below-average credit quality since they don’t solely rely on your credit score. Kansas residents, who meet all other requirements, will easily get a cash advance even if they have a less-than-perfect credit score.

Failing to Repay a Kansas Pay Day Loan

Failure to repay a loan cannot result in imprisonment. On the other hand, there are certain legal actions that a creditor can take, most notably, charging a non-sufficient funds fee.

Reviews of the Best Payday Loans Kansas Has to Offer

ACE Cash Express

Offering outstanding service and statewide accessibility, ACE Cash Express is truly in a league of its own. Customers can obtain their services at 11 locations statewide or opt for an online loan from the comfort of their homes. The Office of the State Bank Commissioner has renewed their license until December 2021.

Pros

Cons

Lending Offer Overview

It goes without saying that ACE Cash Express blazed a trail in this industry. Some of the top payday loans Kansas can provide with this lender are accessible at 11 locations across the state. This lender has perfected its offer over the years, and it currently looks like this — Kansas residents can borrow between $100 and $500 at a fixed fee of $15 per $100 increment. These finance charges match an 391% APR for a 14-day loan. The loan’s duration goes from 10 to 30 days in most cases.

Other Features

ACE Cash Express excels at providing convenient and professional service to their customers. Online payday loans in Kansas are available in addition to their in-store counterparts. Both loan types have pros and cons, boiling down to convenience versus faster access to funds, respectively. You can reach their customer support agents through email, by phone, or in person. A 72-hour satisfaction guarantee is a unique feature at ACE, allowing customers to return the loan amount during the period without having to pay any fees.

Advance America

Looking for payday loans Kansas customers trust? Luckily for you, Advance America is at the very top of that list. This company offers exceptional accessibility with 36 storefronts across the Sunflower State. What’s more, online loans are available on this vendor’s menu. Advance America is licensed by the Office of The State Bank Commissioner throughout 2021.

Pros

Cons

Lending Offer Overview

About 15 years ago, back in 2005, Advance America started doing business in Kansas to become the most widely available lender in the state. Let’s consider their offer. The value of a loan in Kansas with this lender ranges between $100 and $500 for online and in-store cash advances. The Sunflower State exacts strict rules on finance charges since they mustn’t exceed 15% of the principal amount. According to the applicable Kansas payday loans law, short-term cash advances come with a 391% APR for a 14-day loan. Speaking of which, the loan term is fixed between 7 and 30 days. While rollovers and extensions are prohibited, borrowers will have to pay additional non-sufficient fund fees if they’re unable to repay the loan on time.

Other Features

Advance America knows that time is money, and that’s why they decided to make the approval times lightning-fast and the application process straightforward. Customers can obtain payday loans in Kansas in a few ways with this lender — via phone call, online, or personally in a store. Local residents will be happy to know that the largest share of requests are approved in a matter of minutes. Boasting a high customer satisfaction rate and outstanding service quality, Advance America can be rightfully named one of the best places for short-term cash advances not just in Kansas but one of the nation’s top payday loans providers as well.

Check City

Check City is the only brand on our list that exclusively offers online payday loans in Kansas. Even though physical stores aren’t available, this company’s customer service is still top-shelf. Customers who prefer the convenience of online cash advances have come to the right place. This company is licensed by the Office of The State Bank Commissioner until December 31, 2021.

Pros

Cons

Lending Offer Overview

If you happen to require Kansas payday loans online, can deliver. Their services are among the best in the industry, and this is what you can expect. The loan’s duration ranges between 14 and 30, while rollovers and extensions aren’t allowed, in line with local regulations. This means that the entire amount will be debited from your account once the loan is due. The minimum amount consumers can borrow is $100, and it goes up to $500. The money comes with a $15 fee for every $100 borrowed, whereas the APR stands at 391% for a two-week cash advance. This lender specializes in online payday loans Kansas residents are always able to rely on.

Other Features

Prior to receiving a loan, customers will need to fill out an online application form. It is easy enough to complete, and you’ll get the lender’s decision in a matter of minutes. Customers, however, will have to wait up to 24 business hours for their funds to arrive. The lender further supports a useful blog on its website, which aims to provide basic financial education to borrowers.

Check ‘n Go

Check ‘n Go has a versatile offer, making it a perfect option for customers who want access to in-store cash advances and payday loans online in Kansas. This company is among the best in their line of business, despite being available at just six locations statewide. The Office of The State Bank Commissioner renewed their license throughout 2021.

Pros

Cons

Lending Offer Overview

Check ‘n Go is a well-established brand with a long-standing tradition and an amazing offer added to the mix. They operate under the best lending practices, which ensures the safety of each transaction. Check ‘n Go offers loans between $100 and $500, abiding by the Kansas restrictions on payday loans, and the sum needs to be repaid within 30 days. The fee cannot exceed 15% of the borrowed amount. State regulations prohibit both rollovers and extensions, which means you’ll have to pay off the entire loan once it reaches maturity. The lender is allowed to charge one NSF fee per loan if you fail to reimburse the whole sum on the due date.

Other Features

Check ‘n Go has worked hard to be included in the group of the best payday loans Kansas has to offer. Clients that apply in one of their six stores can get a near-instant deposit. Choosing to apply online undoubtedly brings its perks as well, although customers who do so usually wait up to two days to receive their funds. Regardless of the loan you choose, the entire application process should hardly pose any difficulties. Clients are usually notified within 10 minutes about the lender’s decision. If TrustPilot reviews are anything to go by, then their customer support is second to none.

Check into Cash

Check into Cash in a major player in the Sunflower State. They have  22 storefronts spanning the entire state, and their offer includes Kansas payday loans online. First-rate customer service is a guarantee in-store and online. This vendor is licensed by The Office of The State Bank Commissioner until the end of 2021.

Pros

Cons

Lending Offer Overview

Check into Cash is widely available across the state, offering both online and in-store payday loans Kansas residents believe in. The company follows all the best lending practices and industry standards. In general, borrowers can expect a 391% APR for a two-week cash advance, which translates into a $15 fee for each $100 they receive. The loan reaches maturity in 7 to 30 days, and it needs to be repaid in full since rollovers aren’t allowed. Cash amounts vary from $100 to $500 for both loan types.

Other Features

Same-day Kansas payday loans are available for in-store borrowers. Online clients will need to be a bit more patient since the wait time is up to 48 business hours. Both online and regular applications are simple enough and can be finished in just a few minutes. Both Android and iOS users can access the Check into Cash app, which will allow them to manage their funds on the go. Their grade A customer support agents are just a phone call away. What’s more, they provide online assistance as well.

History of Payday Loans in Kansas

Nowadays, the Sunflower State has one of the best regulated payday lending industries in the country. However, this wasn’t always the case. Let’s go back in time to the very inception of this line of business.

FAQ

How many payday loans can you have in Kansas with different lenders?

Kansas residents can have up to two simultaneous payday loans at a time.

Can you declare bankruptcy on payday loans in Kansas?

A payday loan is a personal unsecured loan, meaning that it can be included in a bankruptcy proceeding.

What are the laws in Kansas on payday loans?

Payday loans are legal in Kansas. The industry is regulated by the Office of the State Bank Commissioner.

The Bottom Line

All the payday loans Kansas has to offer to locals are carefully monitored in The Sunflower State. That said, residents should proceed cautiously and get loans only from state-licensed lenders. Fortunately enough, all the payday loans providers are a good place to start your research for the best cash advance for your needs.

Remember to always borrow responsibly and never take out more cash than you can reasonably pay back.

Your BalancingEverything Team

References:

AceCashExpress

AdvanceAmerica

CheckCity

Check ‘n Go

Check into Cash

KansasLaw

BankruptcyLaw