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Part of the LendNation chain · locations
LendNation in Kansas City, KS
Kansas City, KS LendNation payday and title loan store at 7925 State Ave offers quick loans on weekdays and Saturday mornings.
Data compiled from public sources · Rating from CreditDoc methodology
LendNation Review
LendNation operates a payday and title loan location in Kansas City, KS at 7925 State Ave, Suites 106 & 107. This standalone storefront is open Monday through Friday from 9 AM to 6 PM, with Saturday hours 9 AM to 1 PM (closed Sundays). The location serves the Kansas City metro area with convenient access along State Ave.
At this Kansas City, KS location, you can apply for payday loans, title loans, and other short-term lending products. The team can answer questions about application requirements, loan terms, and funding timelines. Reach the store directly at +1 913-788-4900 to confirm availability or discuss your specific borrowing needs.
If you need quick cash in Kansas City, KS, bring a valid government-issued ID, proof of income, and an active bank account to speed up the application process. LendNation specializes in same-day funding for qualified borrowers facing urgent cash needs.
Services & Features
Check cashing
Customer service via phone, in-store, or online contact form
Direct deposit
In-store and online lending
Insight Mobile Banking cards
Instant debit card funding
Multi-pay payday loans (up to 36-month terms, bi-weekly/semimonthly/monthly payments)
Online payday loan applications
Payday loans ($100–$1,000 short-term cash advances)
Title installment loans
Title loans (cars, trucks, motorcycles, boats, ATVs, RVs—vehicle-dependent by state)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Instant pre-approval decisions and same-day or instant debit card funding for cash access
- Multi-pay loans extend repayment up to 36 months, offering an alternative to single-payment payday loans
- Title loans allow borrowing against vehicle equity while keeping the car, potentially offering larger amounts than payday loans
- 200+ locations across 11 states with in-store support and phone access (210-520-4700, 866-324-9565)
- 4.8-star customer rating on Google (161 reviews) for the San Antonio location
- Multiple funding methods including instant debit card transfer and direct deposit options
- Check cashing and money services bundled with loan products at same location
Cons
- No APR, interest rates, or fee schedules disclosed on website—pricing opacity is typical of payday lenders and raises affordability concerns
- Standard payday loans are due 'on or around your next payday,' creating repayment pressure for borrowers living paycheck-to-paycheck
- Title loans require free-and-clear vehicle ownership and create collateral risk—default may result in vehicle repossession
- Multi-pay loans, while extending terms, still reflect high-cost lending and may cost significantly more than traditional personal loans or credit union alternatives
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 7925 State Ave Suites 106 & 107, Kansas City, KS 66112.
Quick Facts
- Headquarters
- 7925 State Ave Suites 106 & 107, Kansas City, KS 66112
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LendNation
LendNation is built for consumers facing immediate, short-term cash shortfalls who have exhausted traditional lending channels. The critical caveat: payday and title lending carry high costs and regulatory risks; despite multi-pay options, borrowers should exhaust credit unions, employer advances, or non-profit CDFIs (under 36% APR) before considering LendNation. Transparency on APR and total cost of borrowing is essential before applying.
Best For
- Consumers with immediate cash needs (under $1,000) who lack access to credit cards or traditional bank loans
- Vehicle owners with clear title seeking larger short-term loans and willing to accept collateral risk
- Borrowers considering multi-pay installment loans as an alternative to single-payment payday debt cycles
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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