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Confident man with a backpack smiling and looking up while walking through the city

Payday Loans in Kansas

  • Quick cash up to $500
  • In-store and online
  • No hard credit check
  • Same-day funding available
  • From a reliable direct lender
Published:
Written by Latoria Williams

Why Trust Us?

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1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.

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Each our article is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.

Why Trust Us?

Close

1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.

|

Fact-Checked

Close

Each our article is reviewed by leading industry experts and updated regularly. We ensure accuracy and currency through daily audits and automated updates. Learn more about our editorial standards.

1F Cash Advance makes it easy to get the money you need when you need it. Our payday loans in Kansas provide emergency assistance for your urgent money matters. The application process is fast and simple, so you can complete it in minutes. Apply online 24/7 or visit our store and receive the funds today.

Our loan agreements are governed by the state laws of Kansas. This ensures the loans we offer fully comply with state laws and regulations.

How It Works

Getting a payday loan from 1F Cash Advance is easy:

  • Fill out a form. Complete our secure online form or visit a nearby location and let our team guide you.

  • Receive an approval decision. The decision is made in minutes due to no hard credit check involved.

  • Get the funds. If approved, sign the agreement and receive money in your account on the same day*.

    *Applications processed before 10:30 a.m. on a business day may be funded the same day. Loans submitted after 10:30 a.m. or on weekends will be processed on the next banking day.

What Do I Need to Apply?

We only ask for the basic items to ensure a smooth and simple loan process:

  • Be at least 18 years old
  • Government-issued photo ID
  • Social Security number
  • Active bank account and routing numbers
  • Proof of Kansas residence
  • Recent pay stubs or other proof of income
  • Valid email and phone number

Rates and Terms

The maximum amount you can borrow with a payday loan in Kansas is $500. The repayment period is 7 to 30 days. State law caps payday loan finance charges at 15% of the advanced amount.

A one-time NSF fee of up to $30 plus 3% per month of the outstanding amount can be charged for returned payments or bounced checks.

Here’s an example of an APR and fee schedule for a 14-day loan:

Loan Amount Finance Charge APR Total Payment
$100 $15 391.07% $115
$200 $30 391.07% $230
$300 $45 391.07% $345
$400 $60 391.07% $460
$500 $75 391.07% $575

Installment Loans in Kansas as a Payday Loan Alternative

If a payday loan is not enough to meet your current needs, our installment loans can tide you over. You can get up to $5,000 with the ability to repay in fixed installments over a maximum period of 24 months. These loans offer a flexible way to cover large or ongoing expenses, from medical bills and repair works to debt consolidation and emergency home improvements.

Find 1F Cash Advance in Kansas

Need professional support during your application? Visit one of our stores and apply in person.

payday loans in Kansas City, KS

Address: 3732 State Ave, Kansas City, KS 66102

Phone: (913) 354-8844

Email: [email protected]

Branch Manager: Levi Harris

Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

The store at 607 Central Ave, Kansas City, KS 66101 is permanently closed.

We also have a store in Wichita:

8111 E 32nd St N #104, Wichita, KS 67226

(316) 669-3564

View Location

Looking for a 1F Cash Advance store in another state? Find our location near you.

We Are Approved by Kansas Customers

Excellent
4.4 out of 5 based on 140 reviews

How to Borrow Responsibly When Taking Online Loans

While small personal loans can help you quickly cover emergency expenses, they should be treated differently than other types of loans. Here are a few smart tips and loan practices for your smooth borrowing experience:

  • Use payday loans for emergencies only. Payday loans are only designed for short-term needs and should not be used as a long-term solution.
  • Only borrow what you need. This will help you avoid unnecessary debt, save money on interest, and keep your expenses down.
  • Don’t take out several payday loans at a time. Their short-term nature and high APRs can make it difficult to handle more than one loan simultaneously.
  • Plan for repayment. Create a budget and make sure you can repay your loan in full and on time. Late payments result in extra fees, debt cycles, and credit consequences.

Why Choose 1F Cash Advance

At 1F Cash Advance, we care about the communities we serve and help borrowers with any credit get quick financial support when they need it. Here’s what we offer:

Fast Loan Process

Our faxless and paperless loan process can be completed online from the comfort of your home, allowing you to get the money in as little as 24 hours.

Secure Application

We use modern encryption protocols to keep your data safe and don't share your information with unaffiliated third parties.

No Hidden Fees

All the loan terms are clearly stated before you enter the deal and are easy to understand. You can check out your loan agreement and know what you're going into before signing the contract.

FAQ

How fast can I get my loan funds?

General terms to get the funds are within 1 business day of approval. Borrowers who originated their loans before 10:30 am on weekdays may be eligible for same-day funding.

What is the maximum amount I can borrow with a payday loan in Kansas?

Kansas law limits the maximum payday loan amount to $500. The exact sum you can qualify for will be determined based on your income, debts, credit, employment status, and payment history.

What alternatives to payday loans are available in Kansas?

If you’re looking for a short-term solution with no interest, consider loans from cash advance apps or borrow money from your family or friends. Borrowers who need a higher amount with more time to repay can turn to installment loans. With us, you can borrow up to $5,000 for a maximum period of 24 months.

Can I get a loan with bad or no credit?

You're welcome to apply for our loans with any credit or lack thereof. We assess your overall financial situation when determining your loan eligibility.

What if I can't repay my loan?

A one-time NSF fee of up to $30 plus 3% per month of the outstanding amount can be charged for late or missed payments. If you face repayment problems, contact the number in your loan agreement to negotiate a payment plan or other options available.

Can I pay off the loan early?

Yes, you can repay your payday loan at any time without being charged a prepayment penalty by law.

Can I get more than one payday loan at a time?

Kansas law allows for up to two payday loans simultaneously. However, we don't recommend obtaining more than one payday loan at a time, as they may be difficult to manage.

I don't reside in Kansas. Can I still get a Kansas payday loan?

No, you can't get a payday loan in Kansas if you don't live here. However, we operate across the US and offer both online and in-store loan products in other states. Please note that terms and rates may differ by state.