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Kansas City, KS payday and title loan storefront ACE Cash Express at 701a Central Ave offers fast cash solutions with extended weekday hours.
Data compiled from public sources
ACE Cash Express is located at 701a Central Ave in Kansas City, KS, operating as a standalone storefront in this central Kansas location. The store is open Monday through Friday from 9AM to 7PM, Saturday from 9AM to 5PM, and closed on Sundays, providing convenient access for Kansas City residents researching short-term cash access solutions.
At the Kansas City, KS location on Central Ave, ACE Cash Express specializes in payday loans, title loans, and other short-term lending products designed for immediate financial needs. You can reach this location directly at +1 913-281-6400 to discuss your options and get a quick quote before visiting.
If you're a Kansas City resident needing short-term funds, bring a valid ID, proof of income, and a bank account statement to speed up your application. ACE focuses on speed and accessibility for those between paycheck cycles, making the Central Ave location convenient for KS residents in a pinch.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Kansas City, KS. It does not confirm that ACE Cash Express or this specific location is licensed.
State regulator
Kansas Office of the State Bank Commissioner
Consumer protection
Status: Permitted
Rate context: $15 per $100 borrowed (approximately 156% APR on typical 2-week loans)
Amount context: $500
Term context: 30 days
Payday loans capped at $500 maximum. 30-day term limit with no rollovers permitted. Licensed under Office of the State Bank Commissioner. Fees strictly limited to $15 per $100 of loan amount.
Status: Permitted
Rate context: 15% APR usury cap applies; licensed lenders may charge higher rates
Installment loans for consumer purposes are legal under Kansas law. Governed by the Kansas Consumer Protection Act and regulated by the Office of the State Bank Commissioner.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ACE Cash Express offers 12 services including Installment loans, Title loans, Check cashing, Bill payments, Money transfers, and 7 more.
ACE Cash Express has profile signals associated with Consumers researching short-term cash access with title or collateral, Unbanked or underbanked individuals requiring check cashing and money transfer services, People in states where ACE operates who need quick installment or title loans.
Key strengths: Multiple service options beyond loans: check cashing, bill payments, money transfers, tax services, and business services; Both online and in-store lending channels for convenience; listed funding timing options advertised for emergency cash needs. Areas to consider: Website has broken location pages (404 errors) making current store information unreliable; Product availability varies significantly by state with restrictions not clearly explained upfront.
In the Emergency Cash category, comparable providers include ACE Cash Express, Advance America, Advance America. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACE Cash Express is profile signals for consumers with collateral (title loans) or established credit who need fast emergency cash outside traditional banking channels. Major caveat: website technical issues and outdated content prevent verification of current service availability, rates, and location status—direct contact is essential before applying.
6427 State Ave in Kansas City, KS, ACE Cash Express provides payday loans and title loans for short-term cash research most.
Profile signals: Consumers researching short-term cash access in jurisdictions where ACE operates and the specific product is available, Individuals seeking check cashing or bill payment services at physical locations
Kansas City, KS Advance America at 7636 State Ave offers payday and title-loan profile details with convenient walk-in access.
Profile signals: Employed individuals facing urgent expense context shortfalls between paychecks with stable income, Vehicle owners seeking larger emergency loans ($2,000–$25,000) and willing to use car title as collateral
Overland Park's Advance America location at 7417 Metcalf Ave offers payday and title loans.
Profile signals: Workers facing a genuine short-term cash emergency with no other funding options (medical bills, car repairs, eviction risk), Borrowers with vehicles paid in full who need larger emergency amounts ($2,000+) and can afford title loan interest costs
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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