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LendNation in Gladstone, MO

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Gladstone, MO's LendNation payday loan storefront at N Oak Trafficway provides fast cash loans with same-day approval.

Data compiled from public sources

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. provider-stated funding timing 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 application-timing claims 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

Compare Personal Loan Options

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Gladstone, MO. It does not confirm that LendNation or this specific location is licensed.

State regulator

Missouri Division of Finance

Payday loan rules in Missouri

Status: Permitted

Rate context: Maximum fee of 75% of original loan amount

Amount context: $500

Term context: 31 days

Payday loans capped at $500 maximum principal. Loan term must be 14-31 days. Borrowers may renew up to 6 times with mandatory 5% principal reduction per renewal. Fee cap of 75% results in effective APR of 391-652% depending on term. Regulated by Missouri Division of Finance.

Installment loan rules in Missouri

Status: Permitted

Rate context: No general cap for licensed lenders; governed by Mo. Rev. Stat. § 367.010-367.210 (Consumer Loan Law)

Licensed installment lenders must comply with Truth in Lending Act (TILA) and other federal regulations. Missouri's Consumer Loan Law allows licensed lenders to charge reasonable rates without a statutory cap.

Key state rules to check

  • Payday loans capped at $500 with maximum fee of 75% of the original loan amount.
  • Maximum loan term is 14-31 days.
  • Borrowers may renew up to 6 times, but principal must decrease by 5% with each renewal.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does LendNation offer?

LendNation offers 12 services including Payday Loans ($100–$1,000), Online Payday Loans, Multi-Pay Installment Loans (up to 36 months), Title Loans (vehicle-secured), Title Installment Loans, and 7 more.

What profile signals are listed for LendNation?

LendNation has profile signals associated with 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.

What are the strengths and weaknesses of LendNation?

Key strengths: 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. Areas to consider: 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.

How does LendNation compare to similar companies?

In the Emergency Cash category, comparable providers include Advance America, Advance America, Cash Loans on Car Titles. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
7017 N Oak Trafficway, Gladstone, MO 64118
BBB Accredited
No
Visit LendNation

CreditDoc Profile Note

Research Note 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.

Profile Signals

  • 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 2026-05-08

Similar Companies

Advance America logo

Advance America

Grandview, MO's Advance America at 11902 Blue Ridge Ext offers payday-loan profile details and title loans with provider-stated funding timing.

BBB: NR

Profile signals: Employed individuals with temporary cash gaps until next paycheck who can repay within 2-4 weeks, Vehicle owners with paid-off cars needing larger loans ($2,000-$25,000) with flexible collateral-based structure

Advance America logo

Advance America

Kansas City, MO—Advance America offers payday and title loans at 8666 E 63rd St, Mon-Fri 10AM-6PM, Sat 10AM-2PM.

BBB: NR

Profile signals: Borrowers needing $100–$500 cash before their next paycheck with a clear repayment plan, Vehicle owners with a paid-off car title who need $2,000–$25,000 quickly

Cash Loans on Car Titles logo

Cash Loans on Car Titles

Value Cash Advance is a loan referral marketplace connecting consumers with bad credit to third-party lenders for short-term cash access loans.

BBB: NR

Profile signals: Consumers with bad credit needing multiple loan offer options quickly, Borrowers seeking a fast alternative to traditional bank loan applications

Compare Your Needs With LendNation

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Quick Summary

  • LendNation is listed as a Emergency Cash provider in Gladstone, MO on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

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 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.

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 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.

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 may only be required 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 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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