Best Online Payday Loans In Kansas

Have you ever found yourself strapped for cash while you wait for your next payday? Do you have trouble getting approved for loans from traditional banks? Have you ever heard of payday loans? 

Payday loans are short-term cash loans that can help tide you over in an emergency. However, since approval for payday loans is based on a lender’s ability to collect and not a borrower’s ability to repay, payday loans create a debt trap that can become hard to get out of.

When you apply for online payday loans in Kansas, you must be aware of a few key laws:

  1. The maximum amount you can borrow in Kansas is $500.
  2. The minimum loan term is seven days, and the maximum loan term is 30 days.
  3. You cannot have more than two outstanding loans at a time. 

Payday lending is legal in Kansas. Kansas was one of the first states to regulate payday loans on the state level. To this day, Kansas’ payday lending industry is governed by the same legislature, enacted in 1993 and amended in 2004. Keep reading below to find out more about ten of the best online payday loans in Kansas.

The 10 Best Online Payday Loans in Kansas

Here are the best online payday loans available in Kansas:

1. Check Into Cash

Check Into Cash Payday Loans Kansas Online

Check Into Cash is a financial services retailer that was founded by Allan Jones in 1993 in Tennessee. Allan Jones is responsible for creating the first national payday lending chain and is often regarded as the father of the payday lending industry. Check Into Cash has over 1,200 locations in the United States and is one of the largest payday loan companies in the country.

Check Into Cash is also a founding member of the Community Financial Services Association of America (CFSA) which promotes regulations and laws that support and encourage responsible practices in the short-term loan industry, preserve access to credit options, and protect consumers.

Most payday loan companies do not check applicants’ credit. However, Check Into Cash does do a hard credit pull with each application, which may affect your credit score and does show up on your credit history. The downside to using Check Into Cash for your online payday loans in Kansas is that they do not offer long-term options and charge large fees that range from 153% to 1042%. 

Still, Check Into Cash stands out because of how transparent they are about fees, how short their application process is, and because they can connect customers to funds within one business day.

2. Ace Cash Express

Kansas Ace Cash Express Payday Loans

Based out of Texas, Ace Cash Express is one of the largest payday lenders in the U.S and is also the largest owner-operator of check cashing stores in the country. They have served more than 38 million customers since they opened in 1968. Ace Cash Express aims to help customers find alternative services outside traditional banking by providing access to convenient, immediate financial services.

However, in 2014, the Consumer Financial Protection Bureau (CFPB), found that Ace Cash Express used illegal debt collection tactics, including false threats and harassment, to create a false sense of urgency and push payday borrowers into a cycle of debt. 

Ace Cash Express was ordered to stop all deceptive collection practices, pay a $5 million fee to CFPB’s Civil Penalty Fund, and pay $5 million in consumer refunds. They no longer use deceptive or unfair collection tactics.

Despite their past actions, Ace Cash Express still makes it easy for consumers to apply for online payday loans in Kansas with an application that only takes a few minutes. Approved customers can see funds deposited into their accounts within one to two business days.

3. Rise Credit

Rise Credit Kansas Online Payday Loans

Rise Credit is an online lender based out of Texas that offers online installment loans in Kansas. They can approve applications within minutes, fund loans within one business day, and offer free credit score access to consumers. 

They also offer financial education features, reported payments to TransUnion and Experian, and some customers may even qualify for reduced rates through refinancing or subsequent loans. However, Rise Credit does not offer an option to pre-qualify and has higher rates than other similar lenders. 

You also have to have a job or regular source of income to apply for a Rise Credit loan. In general, Rise Credit loans are designed for bad-credit borrowers that cannot get loans from a traditional online lender. They are a great option if you are truly in an emergency and need money fast. 

It may be worth noting that a lawsuit was filed against Rise Credit in June 2020 alleging that they lent money at interest rates above the mandated maximum and used misleading marketing efforts to inaccurately communicate interest rates to customers. Still, Rise Credit is good if you are looking for one-time online short-term loans in Kansas.

4. Check n Go

Check n Go Payday Loans Kansas Online

In 1994, Check ‘n Go opened their first payday loan store in Kentucky. Today they are based in Ohio, have 1,000 stores located around the United States, and offer online loans. Unlike some online lenders, Check ‘n Go explains the terms and conditions of their payday loans upfront and makes the application process easy. 

Customers receive online payday loan decisions fast, and those who are approved typically receive their funds by the next business day. Check ‘n Go also uses an advanced online security system provider to protect their customers’ information.

Not only is Check ‘n Go an industry leader in online payday loan lenders, but they are also a founding member of the CFSA. Check ‘n Go’s online payday loans in Kansas have a minimum term of 14 days and a maximum term of 30 days.

With Check ‘n Go, you do not need a high credit score to apply for online installment loans in Kansas. The minimum FICO credit score required for your application to be considered is 500. However, you should be aware that Check ‘n Go may have higher annual percentage rates for their online payday loans in Kansas compared to other lenders.

5. Net Pay Advance

Kansas NetPay Advance Payday Loans

Net Pay Advance is an online financial service company that was founded in 2007 by Brian J. Staver. Net Pay Advance has been a proud member of the Better Business Bureau since 2013 and is committed to using the most up-to-date technology to keep the online loan application process as simple as possible. 

Net Pay Advance offers convenient online payday loans in Kansas without requiring collateral or credit checks. Payday loan payments are due anywhere between 8 and 31 days. Some online lenders are indirect lenders who share your information with third parties to submit your application, receive your funds, and make your payments. 

However, Net Pay Advance is a Kansas-licensed direct lender, so you do not have to worry about your information being shared with multiple loan companies. They also use the latest security software to keep your information safe within the company. Net Pay Advance charges a one-time fee of only $15 for every $100 borrowed, which is much cheaper than a lot of other online lenders’ fees. 

Plus, as long as you make your payment on time, you will not receive any additional fees. Net Pay Advance also offers a free VIP program to customers that allows those with solid repayment histories to save money on their future loans, up to 25% off.

6. Cash Net USA

Kansas Cashnet USA PayDay Loans

CashNetUSA is an online lender that was founded in 2004 and has helped over 4 million people receive emergency funds. You do not have to worry about your data being shared because CashNetUSA’s network is protected by the high-grade security software companies Norton Secured and McAfee SECURE. 

They also give you free access to financial assistance tools, financial education courses, and discount coupons that can help you budget while you save money. CashNetUSA uses more than just your credit score to determine your eligibility for online personal loans in Kansas. They take your other credit scores and info into account when determining your approval.

With their custom alternative credit check on your application, you may be more likely to get approved than if you had used another similar online lender. However, it is worth noting that CashNetUSA payday loans tend to have a higher annual percentage rate than other online lenders. 

Still, CashNetUSA makes it easy to apply for online payday loans in Kansas, and you can usually receive funds the same day you apply or by the next business day. You just have to be a permanent citizen or U.S. resident with a checking account and verifiable income to apply for a payday loan.

7. Money Mutual

MoneyMutual Kansas Personal Payday Loans

Money Mutual is a payday loan network that is a part of the Online Lenders Alliance. They help borrowers find payday lenders to work with. Money Mutual is personally endorsed by celebrity and former talk-show host Montel Williams. Money Mutual’s website is easy to use and has a straightforward application process to match consumers with payday loan lenders. 

They are known for helping customers find lenders fast that usually deposit funds into customers’ accounts in as little as 24 hours. In other good news, customers are also not required to pay any kind of fees to submit a loan application with Money Mutual

The downside to using Money Mutual to get online payday loans in Kansas is that they have faced class-action lawsuits from at least three different states, alleging that they have knowingly sent borrowers to lenders that charge predatory interest rates. 

However, because several of the lenders that Money Mutual matches consumers with operate outside of the U.S., they are beyond the reach of the country’s law. Overall, consumers’ loan terms vary depending on the lender they are matched with, so there is no definitive way to guarantee a positive experience. The risk associated with using Money Mutual may be low, but there is no way to know for certain.

8. OppLoans

Kansas OPP Loans

OppLoans is a Chicago-based lending company that has been in business for the last 12 years. They specialize in offering unsecured payday loans to customers. Customers boast about OppLoans’ reliable, friendly customer service representatives that help make the application process easy and their knowledgeable staff who understand the detailed ins and outs of the financial services industry. 

Unlike some online lenders, OppLoans makes it easy for customers to get in touch with human-based customer service, by phone or email, seven days a week. OppLoans‘ quick and easy loan application process allows customers to get approved within minutes and receive their funds by the next business day. 

Some online lenders charge annual percentage rates that are over 300%, but with OppLoans, you only pay between 99% and 199%. OppLoans also does not use hard credit checks to assess customers’ applications. Instead, they use an alternative credit reporting agency to assess credit factors so you can get offers without affecting your credit. 

OppLoans also reports to the three major credit bureaus (TransUnion, Equifax, and Experian) and may help you build your credit. There are also no prepayment fees or penalties associated with OppLoans online payday loans.

9. Check City

Check City Kansas Online Payday Loans

Check City is an online payday loan company that was founded in 1986. Check City uses an easy, one-step application process that allows customers to submit all their information on one webpage without having to scroll through several web pages the way most online lenders do. 

Customers can get approved in just a few minutes and will automatically receive their funds in their account by the next business day. Check City will enroll customers with online payday loans in Kansas for automatic payments so that their loan funds are debited out of their account and paid on time. 

There are a few disadvantages to using Check City for your online personal loans in Kansas. Check City’s fees and annual percentage rates tend to be higher than other similar online lenders. Overall, their rates range from 214.71% to 1173.21%. Check City may also charge customers additional verification fees, loan fees, and late fees for their online payday loans. 

However, Check City has received countless positive customer reviews in their 29 years in business and they are dedicated to helping customers receive the financial help they need.

10. Advance America

Advance America Payday Loan Service Online Kansas

Advance America is a direct lender that has opened over 1,900 stores across the United States and has issued 124 million consumer loans since its opening in 1997. According to Advance America’s website, they do run a credit check on online payday loan applicants. 

However, they do not indicate whether it is a soft or hard pull credit score, so there is no way to tell if applying for a loan with Advance America will affect your credit score. It may also be worth noting that Advance America does not report to traditional credit bureaus as you make your loan payments. 

Advance America makes it easy for customers to apply online for payday loans with their simple application process. Customers can find out if they are approved within just a few minutes and usually see their funds deposited into their account by the next business day. 

One of the biggest benefits of using Advance America is their Worry-Free Advance policy which guarantees that if customers with outstanding loans lose their job, all loan fees will be waived. 

However, customers should be aware that Advance America is not transparent about their loan interest rates, fees, or terms, and their online rates may be higher than their in-store rates.


Although it may be risky to take out online payday loans in Kansas, short-term loans are an attainable and sometimes necessary source for emergency funding when you have nowhere else to turn. Hopefully, our reviews have helped you better understand the risks that may come with taking out payday loans so that you can prepare and protect yourself. 

With our helpful guide, you will also be able to find the best lender for online payday loans in Kansas for yourself and your family.

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