Our 5 Star Payday Loans store at 4402 E 12th St a in Kansas City, Missouri offers payday loans and cash advances for qualifying applicants. You can start your application online and pick up the cash in store if approved. All lending at this location complies with Mo. Rev. Stat. § 408.100, Mo. Rev. Stat. § 408.140, Mo. Rev. Stat. § 408.500.
Services at Our Kansas City Location
Payday Loans ($100 to $1,000)
Short-term funding based on your income. Apply online and pick up the cash in store if approved.
Cash Advances
Short-term funds that can help cover emergency expenses, bills, car repairs, or other costs between pay periods.
Bad Credit Loans
Approval decisions focus on your income and ability to repay, not only your credit score. Past credit issues do not always block you from getting help.
Know Before You Borrow in Missouri
No statutory rate cap – rate set by the loan agreement
Max APR / Fee
$500
Max Loan Amount
Varies
Max Term
Required
Lender License
Governing law: Mo. Rev. Stat. § 408.100, Mo. Rev. Stat. § 408.140, Mo. Rev. Stat. § 408.500
For complete Missouri payday loan rules: Missouri Payday Loan Guide →
Loan Cost Examples for Missouri (Applies at This Kansas City Location)
Missouri sets no maximum rate for a payday loan. Section 408.500 directs these lenders to § 408.100, which permits interest “at rates agreed to by the parties” – so the price is whatever your contract says and no representative cost example can honestly be shown. The limits Missouri does set: the loan may not exceed $500; interest must be simple interest, not compounded; from the first renewal onward you must reduce the principal by at least 5% of the original amount each time; and you may cancel without cost by returning the full principal by the close of the lender's next full business day. Compare the APR and the total dollar cost on the Truth-in-Lending disclosure before you sign. Source: Mo. Rev. Stat. § 408.500 (text effective 28 August 2026), § 408.100 (effective 28 August 2021) and § 408.140 (effective 28 August 2024), as published by the Missouri Revisor of Statutes. Last checked 6 August 2026.
Common Questions About Our Kansas City Location
The 4402 E 12th St a office is near places like Kansas City University, T-Mobile Center, and Grinders Pizza. It is a quick stop if you are already in this part of Kansas City. Apply online ahead of time and pick up the funds in store if approved.
It is. The store sits on 4402 E 12th St a, close to Negro Leagues Baseball Museum, Our Lady of Sorrows Parish, and Thomas Hart Benton Home and Studio State Historic Site. Most people swing by on their way to or from other errands. Start your application online so you can pick up the cash and go.
More Resources
Explore 5 Star Payday Loans in Kansas City and across Missouri: All Locations • Missouri Payday Loan Guide • All Kansas City Payday Loan Locations • 8402 Wornall Rd #101, Kansas City • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
