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Best Car Title Loans in Kansas City

Updated 02/20/2019

Title loans are an option for vehicle owners who need cash fast and don’t qualify for other types of borrowing. It’s important to choose a properly licensed, trustworthy lender; after all, you will be handing over the title to your vehicle. Our partners at ConsumerAffairs researched the best title loan companies in Kansas City so you know where to apply.

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TitleMax TitleMax Features
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • titlemax.com/store/kansas-city-mo-4-title-loans
Contact info
3617 Main St.
Kansas City, MO 64111
(816) 756-5100
Midwest Title Loans Kansas Midwest Title Loans Kansas Features
  • M-F: 10am - 6pm
  • Sat: 10am- 3pm
  • Closed Sun
  • midwesttitleloans.info
Contact info
2500 State Ave.
Kansas City, KS 66102
(913) 281-9997
Mid-American Title Loans Mid-American Title Loans Features
  • M-F: 10am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • midamericantitleloans.net
Contact info
3434 Main St.
Kansas City, MO 64111
(816) 931-7611
Missouri Title Loans Missouri Title Loans Features
  • M: 10am - 7pm
  • T-Th: 10am - 6pm
  • F: 10am - 7pm
  • Sat: 9am - 4pm
  • Closed Sun
  • missourititleloansinc.com
Contact info
3731 Main St.
Kansas City, MO 64111
(816) 931-4023
Waldo Financial Waldo Financial Features
  • M-F: 9am - 6pm
  • Sat: 9am - 5pm
  • Closed Sun
  • waldofinancial.com
Contact info
8437 Wornall Rd.
Kansas City, MO 64114
(816) 333-6800
Hawthorn Car Title Loans Hawthorn Car Title Loans Features
  • M-F: 7:30am - 11:30pm
  • Sat: 7:30am - 6:30pm
  • Closed Sun
  • autotitleloans-kansascity.com
Contact info
7329 Forest Ave.
Kansas City, MO 64131
(816) 535-0400
Barnett Car Title Loans Barnett Car Title Loans Features
  • M-F: 6:30am - 11pm
  • Sat: 6:30am - 7pm
  • Closed Sun
  • kansascity-autotitleloans.com
Contact info
3334 Gillham Rd., Ste. 101
Kansas City, MO 64109
(816) 873-5200

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How to get a title loan in Kansas City

Kansas City skyline

Title loans are often confused with payday loans. They do share similarities: Both are short-term financial solutions making fast cash available to borrowers of all credit types. But title loans are collateralized; if the borrower defaults, the lender may take possession of the borrower’s vehicle. Title loans also typically have lower interest rates and allow you to borrow more money.

Not every state allows title loans, but they are legal in both Kansas and Missouri. Still, a title loan can look very different depending on which side of the border you live on.

Kansas Missouri
Maximum Loan Amount None $5,000
Interest Rate Maximum No cap No cap

Getting a title loan doesn’t require having a strong credit score, and the process is usually fast. Title loan companies in Kansas City may allow you to apply online, but you’ll likely need to bring your car in for an appraisal. The amount of money you can borrow is based in large part on the value of the vehicle.

When applying for a title loan in Kansas City, make sure you have the following:

  • Government-issued ID
  • Vehicle with clear title
  • Proof of income
  • Proof of address
  • Proof of insurance

Read your contract carefully before signing so you know all the costs and fees, as well as the maturity date of the loan and how to make payment. Once the loan is executed you will hand over the title to the vehicle, and the lender will hold it until you repay in full.

Understand that if you can’t make repayment, the lender is entitled to take possession of your vehicle, but not before giving you 20 days to satisfy, or “cure,” the loan.

Speedy Cash

Speedy Cash

Kansas City residents can complete a title loan from Speedy Cash in as little as 30 minutes. Visit any of the three area locations with your vehicle and title and fill out an application. Friendly staff will inspect the car, and you’ll receive an instant decision. Speedy Cash even makes it possible to get a title loan if you are still making auto payments. Kansas City customers are satisfied, saying staff are knowledgeable and helpful.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.