V
Venture Payday Loans
Contact
BBB:
Part of the Advance America chain · locations
Advance America in Kansas City, MO
Kansas City, MO's Advance America at N Oak Trafficway offers payday and title loans with same-day funding options.
Data compiled from public sources · Rating from CreditDoc methodology
Advance America Review
Advance America in Kansas City, MO is located at 7932 N Oak Trafficway, Suite 204, a standalone storefront serving the northern Kansas City area. The location is open Monday through Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM, with Sunday closures. This Kansas City branch provides quick access to emergency funding for residents throughout the area.
At this Kansas City location, customers can apply for payday loans, title loans, and other short-term financial solutions. Call 816-436-9182 to speak with staff who can explain your options and guide you through the application process during business hours. Whether you're facing an unexpected bill or need cash before your next paycheck, the team here works to help assess your situation.
If you're a Kansas City, MO resident needing quick cash, bring a valid government-issued ID, proof of income, and an active checking account when you visit. Same-day funding is often available for approved applicants. Advance America has served customers in this area for years with transparent terms and direct communication.
Services & Features
Bilingual service (English/Spanish)
In-store loan applications
Installment Loans ($100–$1,000, multi-payment terms)
Online loan applications
Payday Loans ($100–$500, 2–4 week terms)
Phone pre-qualification
Referral rewards program
Same-day funding
Title Loans ($2,000–$25,000, vehicle as collateral, via LoanCenter)
Western Union money transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 4.9/5 star rating across 125,401+ verified customer reviews
- Three loan types under one roof — payday, installment, and title loans
- Title loans up to $25,000 for borrowers with a paid-off vehicle
- Online and in-store application options with phone pre-qualification
- Bilingual English/Spanish service available at this location
- Same-day funding available for approved loans
- Nationally accredited company with 1,400+ physical locations
Cons
- Payday loans cap at $500 — insufficient for larger emergencies
- Payday loan terms (2–4 weeks) and typical APRs make repeat borrowing very costly
- Title loans use your car as collateral — default risks vehicle repossession
- Title loans are through third-party LoanCenter, not directly Advance America
- Closed Sundays — limits access for weekend emergencies requiring in-person service
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Advance America legitimate?
Yes. Advance America is a registered company, headquartered in 7932 N Oak Trafficway Ste. 204, Kansas City, MO 64118.
Quick Facts
- Headquarters
- 7932 N Oak Trafficway Ste. 204, Kansas City, MO 64118
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Advance America
Advance America is best suited for employed borrowers who need quick cash up to $1,000 and can repay within a few weeks or payment cycles. The main caveat is cost — these are among the most expensive loan products available, and title loans carry the additional risk of losing your vehicle; consumers with any access to lower-cost credit should exhaust those options first.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 99.8%
- Timely Responses
- 97.5%
Source: consumerfinance.gov | Last checked 2026-03-26
Best For
- Employed adults who need $100–$500 fast and can repay within two to four weeks
- Borrowers needing a small installment loan with structured repayments up to $1,000
- Car owners with a paid-off vehicle needing $2,000–$25,000 with no credit requirement
- Spanish-speaking consumers who prefer in-person bilingual loan assistance
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
Lenders must 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 cheapest 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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory 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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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 might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
Cash advances are a debt trap: 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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Advance America and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.