American Payday Loans
8035 State Avenue
Kansas City, KS
(913) 334-4411
americanpaydayloansinc.com
American Payday Loans is part of the Money Mart and Loan Mart chain of personal finance offices. As of 2012, there are over 325 locations in the US with many more in Canada and the UK. This company has a mission statement that says their “goal is to set the highest standards for customer service, convenience and quality financial products and services.”
This is a very large company if you include all of their different names and this means you can trust that they know what they’re doing when it comes to money and regional laws. Companies don’t expand this rapidly without a top notch team of researchers who keep up to date on the ever changing state laws related to personal finance and specifically, payday loans.
What They Offer
This company offers a multitude of services people can find very useful and beneficial to have in one place. You can get checks cashed, wire money, have your taxes prepared and get two types of loan. There’s your regular payday loan that is typically small and is expected to be paid in full on your next payday and there is also a “consumer” loan that can be called a “signature” loan by other businesses.
The “consumer” loan offers you a bit more money than a payday loan but has very different rules, regulations and maximum finance rates. This type of loan isn’t regulated much at all really but usually has very competitive interest rates making it a good alternative for those without a good enough credit history to use a traditional money lending institution.
Where They Are Located
You can find an American Payday Loan, Money Mart or Loan Mart store practically everywhere. In the state of Kansas, there stores in 11 different cities such as Leavenworth, Wichita, Emporia and Kansas City. If you visit the official website you can narrow down your search for individual stores by state then by city so you can find one near you.
You can’t apply online for loans through American Payday or its sister stores so you will have to visit them in person to complete all the paperwork. Make sure to bring everything you need to show a customer service representative. This is all listed on the website or you can call them and double check so you don’t waste a trip.
Rates/Terms
This company can loan you up to $500 which is the maximum allowed in the state of Kansas. This is a fairly average amount in the US today. You will have typically 14-31 days to pay your loan back in full and this is decided by your next immediate payday. You may be able to make arrangements on the date if your next paycheck is already gone.
Additional Info
Once you are a member at any of these locations, you may be in the system for all of them giving you more options.
