A payday loan is a small loan, typically between $100 - $500, that is used to help a borrower's unexpected expenses like bill payments, car repairs, household emergency repairs or other like financial emergencies. Payday loans are a great short-term source of emergency cash. Payday loans are therefore often referred to as Cash Advance Loans.

An installment loan can provide you with quick cash like a payday loan, but it allows you to extend the loan duration beyond the next payday. Your loan repayments are the same throughout the duration of the loan. You can pay the installment loan off early without penalty. Once you have paid off the installment loan, you are immediately eligible for another. Installment loans are often referred to as unsecured loans or signature loans.

Instead of facing bounced checks and the hassles associated with other types of short-term loans, experience the convenience of our payday loan and installment loan services.

Using Waldo Financial for your Kansas City area payday loan or installment loan, you never have to worry about standing in line or trying to find the best local payday loan store in Kansas City and surrounding area. Apply online using the secure form. Once approved, pick up your cash at our convenient Kansas City office or have the money deposited into your checking account the same day. The form only takes a few minutes to complete. It can put cash in your hand in no time.

Waldo Financial is a licensed direct lender. All repayment terms and associated dealings are between you and Waldo Financial.

Once approved, Waldo Financial may provide you up to $500 in a payday loan. Most people borrow between $100 to $500. How much you can borrow depends on factors like your income and employment history.

While payday loans provide up to $500, an installment loan can provide you up to $2,000.

We strive to offer the best customer service and flexible repayment options to make the process even easier. Don’t wait any longer for the cash you need – get started now!

Most payday loan lenders like Waldo Financial of Kansas City will consider whether you..

1. Have a full time job or receive regular income of at least $1,500 per month.
2. Have a bank account with a traditional bank in good standing for at least 90 days.
3. Have direct deposit of your paycheck into your checking account.
4. Are a U.S. resident at least 18 years old.

Even if you've had a prior bankruptcy, a poor credit history or charge-offs, you may still qualify for a payday loan or cash advance loan in Kansas City.

Kansas City installment loans have slightly different qualifications.

If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements we may assess a returned item fee of $25 as permitted by state law. You may also incur a fee from your bank or credit union.

Waldo Financial will then attempt to contact you in order to make alternate payment arrangements. The customer may also incur additional fees. Specific late and non payment fee's include a $25.00 Return Item Fee and a Late Fee of 5% of the principal loan amount after 15 days. For more information on late and non payment fees please check your actual final loan disclosure documents.

Waldo Financial commits to you that short-term cash advance loan products offered are issued in accordance with applicable state and federal laws. We strive to provide you, our consumer, the greatest level of fairness and transparency available. This is a short-term loan intended to help you meet your immediate needs. It is not designed to help you meet longer-term financial needs. If you extend or refinance this loan, it will result in additional charges. We strongly encourage you to only borrow the amount you need and repay it as soon as possible. We are committed to serving and educating consumers in Missouri.

The APR for Waldo Financial payday loans is 469.29%. Here is more detail regarding our Rates and Fees.

Of course! Besides check cashing and loan services, we offer money orders, Western Union, bill pay services, and more!

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