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Part of the LendNation chain · locations
LendNation in Gladstone, MO
Gladstone, MO's LendNation payday loan storefront at N Oak Trafficway provides fast cash loans with same-day approval.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
The LendNation location at 7017 N Oak Trafficway in Gladstone, MO is a standalone payday and title loan storefront serving the local community. Operating Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM, this Gladstone branch provides convenient access to emergency cash loans for area residents.
At this Gladstone LendNation storefront, customers can apply for payday loans, title loans, and other short-term lending products. The team is available at +1 816-436-7575 to answer questions about loan options, approval timelines, and what documents you'll need to bring in. Same-day funding is typically available for approved borrowers.
If you're a Gladstone resident facing an unexpected expense or cash shortfall, this N Oak Trafficway location offers quick approval and funding. Bring a valid ID, proof of income, and a bank account statement to your appointment. LendNation specializes in serving borrowers who need immediate access to cash.
Services & Features
Cash Advances
Check Cashing
Direct Deposit
In-store and Online Loan Application
Insight Mobile Banking Prepaid Cards
Instant Debit Card Funding
Money Services
Multi-Pay Installment Loans (up to 36 months)
Online Payday Loans
Payday Loans ($100–$1,000)
Title Installment Loans
Title Loans (vehicle-secured)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 200+ physical locations across 11 states with consistent brand and service standards
- Instant debit card funding enables same-day cash disbursement without ACH delays
- Title loans allow borrowers to keep and drive their vehicle throughout repayment
- Title loans accepted on a wide vehicle range: cars, trucks, motorcycles, boats, ATVs, RVs
- Multi-pay installment loans available with terms up to 36 months for a longer repayment window
- 4.8-star average from 161 Google reviews at the San Antonio Bandera Road location
- Online and in-store application options with an instant pre-approval decision
Cons
- Payday loans and title loans carry very high APRs — often 300%+ — making them among the most expensive consumer credit products
- Title loans put the borrower's vehicle at risk of repossession if payments are missed
- Only available in 11 states; no presence in most of the US
- Saturday hours limited to 9:00 AM–1:00 PM; closed Sundays
- Payday loan amounts capped at approximately $1,000, limiting use for larger emergencies
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
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 LendNation legitimate?
Yes. LendNation is a registered company, headquartered in 7017 N Oak Trafficway, Gladstone, MO 64118.
Quick Facts
- Headquarters
- 7017 N Oak Trafficway, Gladstone, MO 64118
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LendNation
LendNation is best suited for borrowers facing a short-term cash emergency of $100–$1,000 who have no realistic access to lower-cost credit options such as credit cards, personal loans, or credit union PALs. The primary caveat is cost: payday and title loan APRs are extremely high, and title loans specifically risk vehicle loss on default — these products should be a last resort, not a first call.
Best For
- Consumers needing $100–$1,000 quickly who cannot qualify for or access traditional credit
- Vehicle owners seeking a title loan while retaining use of their car or truck
- Borrowers who prefer in-person service and want a physical storefront with a long local track record
- Those who need same-day cash via instant debit card funding and cannot wait for a bank transfer
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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