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Part of the Primo Personal Loans chain · locations
Primo Personal Loans in Kansas City, MO
Kansas City, MO's Primo Personal Loans at 2023 Broadway Blvd offers fast personal loans and payday advances with convenient extended hours.
Data compiled from public sources · Rating from CreditDoc methodology
Primo Personal Loans Review
Primo Personal Loans operates at 2023 Broadway Blvd #3 in Kansas City, MO. The storefront is open Monday through Friday from 7 AM to 8 PM, with weekend hours Saturday and Sunday from 9 AM to 6 PM. The location is a standalone facility designed for walk-in customers seeking quick loan solutions.
This Kansas City location offers payday loans, title loans, and personal cash advances to residents who need immediate funds. Contact the team at +1 816-371-9497 during business hours to discuss your loan options and eligibility. Staff can provide information about application requirements and typical approval timelines.
Kansas City residents commonly visit this Broadway location for quick emergency cash when unexpected expenses arise. Bring a valid government-issued ID, proof of income, and a recent bank statement to your appointment. Primo Personal Loans serves this neighborhood with flexible lending options designed for local borrowers.
Services & Features
Accessible website navigation and screen reader support
Express Loan quotes ($100–$5,000)
Fast-track verification and underwriting
Federal AML/KYC compliance and identity verification
Non-FICO credit assessment option
Online personal loan applications
Phone application assistance
SSL/TSL encrypted online security
Same-state and multi-state loan availability (state-dependent)
Short-term personal loan products
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loan amounts as low as $100, suitable for small immediate cash needs
- Express Quote feature allows borrowers to assess options without full application
- Online application does not trigger FICO credit score inquiry
- SSL/TSL security encryption for financial data protection
- Accessible website with keyboard navigation and contrast adjustment tools
- Transparent disclosure of underwriting criteria and federal compliance requirements
- Potential 2-business-day funding timeline for verified applications
Cons
- 404 error on advertised Memphis location suggests incomplete service coverage or outdated location pages
- No published interest rates, APRs, or fee structures visible on website
- May use non-traditional consumer reporting agencies that could negatively impact non-FICO credit profiles
- Explicitly limits products to short-term needs only, not suitable for long-term financial planning
- No information about alternative funding if applicant doesn't qualify for requested amount
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 Primo Personal Loans legitimate?
Yes. Primo Personal Loans is a registered company, headquartered in 2023 Broadway Blvd #3, Kansas City, MO 64108.
Quick Facts
- Headquarters
- 2023 Broadway Blvd #3, Kansas City, MO 64108
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Primo Personal Loans
Primo Personal Loans is best suited for consumers needing small emergency cash ($100–$5,000) quickly without triggering traditional credit pulls, though the broken Memphis location page and lack of transparent rate/fee disclosure raise concerns about service reliability and cost clarity. Borrowers should verify state eligibility and call (803) 674-5822 to confirm current service areas before applying.
Best For
- Borrowers needing $100–$1,000 for immediate unexpected expenses
- Consumers wanting to avoid FICO credit inquiries during the application process
- Short-term cash gap situations requiring funds within 2 business days
- Individuals in states where Primo operates and state regulations permit the loan product
Updated 2026-04-29
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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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