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Kansas City, KS residents can visit Loanmax Title Loans at 4949 State Ave for fast, accessible title loans and payday cash advances.
Data compiled from public sources
Loanmax Title Loans operates at 4949 State Ave in Kansas City, KS as a standalone storefront offering direct access to title loan services. The location is open Monday through Friday from 10 AM to 6 PM, and Saturday from 9 AM to 2 PM (closed Sundays), making it convenient for Kansas City residents and workers to stop by during business hours.
At this Kansas City, KS branch, customers can apply for title loans using their vehicle as collateral, with competitive terms and flexible repayment options. For more information about current rates, loan amounts, or application requirements, call +1 913-596-1077 to speak with a staff context.
If you need cash quickly in Kansas City and have a vehicle title, bring your ID, proof of residency, vehicle registration, and insurance information to complete the application process at this location. Loanmax Title Loans provides a straightforward alternative to traditional lenders.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Kansas City, KS. It does not confirm that Loanmax Title Loans or this specific location is licensed.
State regulator
Kansas Office of the State Bank Commissioner
Consumer protection
Status: Permitted
Rate context: $15 per $100 borrowed (approximately 156% APR on typical 2-week loans)
Amount context: $500
Term context: 30 days
Payday loans capped at $500 maximum. 30-day term limit with no rollovers permitted. Licensed under Office of the State Bank Commissioner. Fees strictly limited to $15 per $100 of loan amount.
Status: Permitted
Rate context: 15% APR usury cap applies; licensed lenders may charge higher rates
Installment loans for consumer purposes are legal under Kansas law. Governed by the Kansas Consumer Protection Act and regulated by the Office of the State Bank Commissioner.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Loanmax Title Loans offers 11 services including Auto title loans up to $10,000 secured by vehicle equity, Same-day or next-day cash funding, Payment processing via cash, check, debit card, and Western Union, Online account registration and login, Online payment processing, and 6 more.
Loanmax Title Loans has profile signals associated with Workers with vehicle equity who need fast emergency cash for unexpected expenses and can repay within weeks, Individuals with poor credit who may not meet traditional loan criteria and have no other borrowing options, People requiring small amounts of cash quickly (under $10,000) and willing to risk vehicle collateral.
Key strengths: Quick funding available for emergency cash needs with limited-documentation claims to verify (vehicle, ID, clear title); Loans up to $10,000, larger than typical payday loans; Multiple Las Vegas locations with convenient hours including Saturday availability. Areas to consider: No pricing information disclosed on website—interest rates, APR, and fees are completely hidden from consumers; Title-based collateral means vehicle repossession risk if loan is not repaid, resulting in loss of transportation.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, Advance America. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
LoanMax Title Loans is profile signals for workers with vehicle equity facing genuine emergencies who can repay within weeks and understand the collateral risk. The critical caveat is the complete absence of rate and fee transparency on their website—consumers cannot determine true cost before applying, and the Nevada regulatory warning confirms this is explicitly a high-cost, short-term product. This should only be considered after exhausting all other options.
Kansas City, KS payday and title loan storefront ACE Cash Express at 701a Central Ave offers short-term cash-access services with extended weekday hours.
Profile signals: Consumers researching short-term cash access with title or collateral, Unbanked or underbanked individuals requiring check cashing and money transfer services
6427 State Ave in Kansas City, KS, ACE Cash Express provides payday loans and title loans for short-term cash research most.
Profile signals: Consumers researching short-term cash access in jurisdictions where ACE operates and the specific product is available, Individuals seeking check cashing or bill payment services at physical locations
Kansas City, KS Advance America at 7636 State Ave offers payday and title-loan profile details with convenient walk-in access.
Profile signals: Employed individuals facing urgent expense context shortfalls between paychecks with stable income, Vehicle owners seeking larger emergency loans ($2,000–$25,000) and willing to use car title as collateral
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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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