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Part of the Speedy Cash chain · locations
Speedy Cash in Kansas City, MO
1331 E 63rd St in Kansas City, MO - Speedy Cash provides payday and title loans with flexible hours.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash at 1331 E 63rd St sits in the heart of Kansas City, MO, conveniently located for residents in this area. The standalone storefront operates Monday through Saturday, with evening hours on Monday (9AM-7PM), Friday (9AM-7PM), and regular afternoon closing on Tuesday through Thursday (9AM-6PM). Saturday service runs 9AM-4PM, with the location closed on Sundays.
This Kansas City location specializes in quick cash solutions including payday loans and title loans. You can reach the branch directly at +1 816-363-2274 to ask about current loan terms, eligibility requirements, and application documentation. The staff is available during business hours to discuss loan amounts and repayment options tailored to your financial situation.
If you need fast cash in Kansas City, MO, bring a valid ID, proof of income, and an active bank account to your appointment. Payday and title loans can be processed quickly, making them useful for unexpected expenses or financial gaps. This location provides the services you need when time matters.
Services & Features
Check cashing for payroll and personal checks
Green Dot Visa prepaid debit card services
In-person loan counseling and document review
In-store application completion and funding
Lines of credit up to $4,000 with flexible borrowing and repayment over time
Money orders
Online loan application initiation
Payday loans up to $425 with next-payday repayment
Phone-based customer support (English 1-888-333-1360, Spanish 1-855-734-0111)
Title loans up to $4,000 secured by vehicle equity
Vehicle title appraisal services
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Payday loans capped at $425 with guaranteed next-payday repayment timeline and disclosed costs before signing
- Lines of credit up to $4,000 with flexible draw-as-needed structure and credit limit restoration as you pay down balance
- Title loans up to $4,000 for customers with vehicle equity, enabling larger emergency loans than payday products
- Extended weekday hours (9am-7pm) and Saturday service (9am-4pm) accommodating working customer schedules
- In-person application support with staff trained to explain loan terms, eligibility requirements, and repayment obligations
- Multiple money services (check cashing, wire transfers, money orders, Green Dot cards) creating one-stop access for unbanked customers
- 8 Memphis-area locations plus Bartlett reducing travel distance for local customers seeking in-store service
Cons
- Payday loans require full repayment in 2-4 weeks, creating high default risk and potential debt cycling for customers with inconsistent income
- Title loans risk vehicle repossession if borrower cannot repay, jeopardizing transportation and employment for financially vulnerable customers
- No mention of APR disclosure on website; implied triple-digit rates typical of payday/title lending, far exceeding 36% CFPB guidance
- In-person application requirement creates barriers for customers with transportation, mobility, or scheduling constraints versus fully online competitors
- All loan products require employment/income proof, excluding unemployed, disabled, or self-employed individuals with irregular documentation
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 Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 1331 E 63rd St, Kansas City, MO 64110.
Quick Facts
- Headquarters
- 1331 E 63rd St, Kansas City, MO 64110
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Speedy Cash
Speedy Cash is best for salaried employees or vehicle owners in the Memphis area needing emergency cash within days and preferring in-person service with staff guidance. The critical caveat is that all products carry implied APRs far exceeding 36%, creating high-cost debt risk—payday loans particularly risk debt cycles due to two-week repayment windows, and title loans risk vehicle loss for low-income borrowers unable to refinance.
Best For
- Salaried employees with stable paychecks facing small emergency expenses ($425 or less) who prefer in-person guidance and immediate funding
- Vehicle owners needing emergency loans larger than payday amounts with liquid vehicle equity and ability to repay within lender's timeline
- Unbanked customers seeking bundled money services (check cashing, wire transfers) alongside emergency lending at a single location
- Customers uncomfortable with online applications who benefit from real-time staff answers to questions about loan terms and repayment mechanics
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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