Kansas City Payday Loans

Kansas City Payday Loans

What would you do if you encountered a large, unexpected expense today? According to a 2015 Federal Reserve Board study, an estimated 47 percent of Americans couldn't cover a $400 emergency with money from their savings account. When such a situation occurs, many start thinking about what they can sell or where they can borrow from.

A credit card would make it easier to handle a $400 expense. However, a report published by ValuePenguin indicates that more than a third of U.S. consumers have bad credit scores of 659 or lower in 2016, preventing them from qualifying for a credit card or a loan from most banks.

For these reasons, one of the most popular sources of emergency cash for Kansas City residents are payday loans from payday loan and check cashing stores.

LendUp is one of the many payday-loan providers in Kansas City, Kansas. However, we offer a better alternative to the traditional payday loan. Through our LendUp Ladder, our credit-building loans, and our free online financial education courses, our financial products are designed to encourage better financial habits. Simply put, we offer a path towards financial health. The LendUp Ladder is available in Kansas, see lendup.com/ladder for more details.

How do payday loans help Kansas City, Kansas residents?

If you live in KCK, there are a number of ways that a payday loan can help you. Primarily, cash advances serve as a temporary solution to a financial need. For example, if your paycheck is late and the landlord is calling for rent money, then you may consider applying for a short-term loan to hold you over.

Just remember: Only use the loan for the essentials. Also, you should only take a cash advance if you know that you can pay it back because not repaying your loan on time can put you in a debt trap. Cash-advance loans in Kansas City are an ideal short-term solution.

Once approved, LendUp may be able to provide you with a direct deposit to your checking account in as early as one business day. From Oskaloosa to Odessa, you can skip the interstate 70 traffic through downtown Kansas city, and apply from anywhere on your smartphone or home computer.

How do I get started with a Kansas City payday loan application?

Lenders in KCK will ask for personal information, like your home address and contact information such as your email and phone number. You may have to provide proof of income.

With LendUp Loans in Kansas City, you can provide income proof with a copy of a pay stub or government award letter. You also need a checking account that's able to receive electronic transfers.

Is there a credit requirement for Kansas City payday loans?

Some lenders in Kansas City require a certain credit score threshold, so check before applying. LendUp does not have a specific required credit score. In fact, our mission is to help those in Kansas City with poor credit improve their financial health. Even if your credit score is low right now, you can still apply for a Kansas City payday loan with us. You may still be approved for a short-term loan. If you’re approved for a short-term Loan in Kansas City, you may earn points by paying back your loans on time and also by completing our free financial-education courses. The more points you earn, the higher on the Ladder you can climb. At the top tiers in Kansas City, you may be able to access our highest loan amounts at our lowest rates. What’s more, you may even be able to begin reporting your positive repayment history to all three major credit bureaus. This report could lead to a higher credit score and access to more traditional lines of credit, over time.

How long does the Kansas City payday loan process take?

At LendUp, the entire process occurs online. Regardless of whether you live in Rosedale, Argentine or Strawberry Hill, you don't even have to leave home to get your cash. If you have everything on hand, then you may be able to finish our application in just five minutes. Decisions are instant. If you receive approval before 5:00 p.m. on a weekday, then you can get your money on the next business day. It’s important to note that your bank will ultimately determine when your funds are available to you.

How can I find the right lender in Kansas City?

From Armourdale to Piper, it's quite easy to find a short-term loan in Kansas City. The key is finding the right one for your needs. Here's what you need to consider:

  • Benefits: Typical lenders in Kansas City just give you the same loan every time. You don't get better rates and terms or higher loan amounts, even after you've proven you're reliable. At LendUp, we offer many Kansas residents a Ladder towards creditworthiness. Once you get to the top tier, we may be able to offer you lower rates, longer loan lengths, and greater amounts.

  • Transparency: Lenders in Kansas City should be clear on the loan amount, length, interest charge, and APR. You should be 100 percent clear on the total repayment amount. Look for a fee as well, because some lenders have been known to have hidden fees. At LendUp, we are extremely clear on all the rates and terms, and have no hidden fees.

  • Licensing: Some payday loan lenders in Kansas City skirt federal and Kansas law by operating elsewhere (such as in tribal territory or offshore). This means you're not protected by U.S. and Kansas lending regulations. LendUp is fully licensed in Kansas City, and follows all federal, state and local laws.

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