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Part of the Check Into Cash chain · locations
Check Into Cash in Gladstone, MO
Gladstone, MO's Check Into Cash location at 5720 N Antioch Rd offers quick payday loans and title loans with convenient hours and same-day service.
Data compiled from public sources · Rating from CreditDoc methodology
Check Into Cash Review
Check Into Cash in Gladstone, MO is located at 5720 N Antioch Rd, a standalone storefront serving the Gladstone area with accessible parking and convenient access. The location is open Monday through Friday with extended hours on Mondays and Fridays (9AM-7PM), shorter hours Tuesday through Thursday (9AM-6PM), and Saturday service from 9AM-4PM. This Gladstone branch is closed Sundays.
At this Gladstone location, you can apply for payday loans, title loans, and other short-term credit options. The friendly staff can help you understand your options and process applications quickly. For questions or to learn more about available services, call the storefront directly at 816-454-2590.
If you're facing unexpected expenses or need quick cash in Gladstone, MO, Check Into Cash provides a straightforward lending solution. Bring your ID, proof of income, and banking information to apply. The team works to process loans on the same day, helping Gladstone residents get the funds they need when they need them.
Services & Features
Bill payment
Check cashing
Flex Line of Credit
Green Dot Visa Debit Cards
In-store and online loan applications
Installment loans
Money orders
Payday loans up to $600 (Michigan)
Same-day cash disbursement for approved applicants
Tax preparation (select locations)
Title loans
Western Union money transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Payday loans available both in-store and online, giving flexibility in how you apply
- 30+ years in business with a Michigan state lending license posted publicly
- Same-day cash disbursement for approved in-store applicants
- Multiple financial services in one location: loans, check cashing, Western Union, bill pay, and Green Dot cards
- Straightforward eligibility — approval based on income verification and active checking account, not credit score
- Extended weekday hours (8am–7pm Friday) and Saturday availability for working borrowers
- Offers multiple loan types — payday, installment, title, and flex line of credit — to match different borrowing needs
Cons
- Payday loans carry triple-digit APRs typical of the industry — cost is very high relative to the amount borrowed
- Michigan payday loan cap is $600, which may not cover larger emergency expenses
- Requires an active checking account — unbanked consumers cannot access payday loan products
- Title loans risk vehicle repossession if the borrower cannot repay
- Closed Sundays with limited Saturday hours (closes 4pm), reducing accessibility on weekends
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Check Into Cash legitimate?
Yes. Check Into Cash is a registered company, headquartered in 5720 N Antioch Rd, Gladstone, MO 64119.
Quick Facts
- Headquarters
- 5720 N Antioch Rd, Gladstone, MO 64119
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Check Into Cash
Check Into Cash is best for employed consumers with an active bank account who face a small, urgent cash shortfall and need same-day funds without a credit check. The main caveat is cost: payday and title loan fees translate to extremely high APRs, making these products suitable only for genuine short-term emergencies — not recurring cash flow gaps.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 100%
- Timely Responses
- 100%
Source: consumerfinance.gov | Last checked 2026-04-24
Best For
- Employed consumers with a checking account facing a small, unexpected expense before their next paycheck
- People who need cash the same day and have already been declined by banks or credit unions
- Borrowers who also need check cashing or bill payment and want to handle multiple financial tasks in one stop
- Vehicle owners who need more than the $600 payday loan cap and have a clear title to borrow against
Updated 2026-04-29
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Financial Wellness Guides
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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.
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