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Three Short-Term Loan Options that Can Help in an Emergency

Find Fast Cash Near You in the Kansas City Area

Emergencies don’t get their name because they’re predictable. They’re called emergencies because they require quick action and quick thinking, and no one saw them coming. Everyone will face at least one emergency at some point in their lives, and often that emergency requires some form of payment, to get medical care, to pay an unexpected bill, or to make an important and necessary purchase.

Navigating an emergency can be tricky if it requires money that you don’t have in that moment. And getting cash fast seems like a thing that only happens in the movies or our imaginations. However, in Kansas City, Missouri and surrounding areas, getting fast cash is completely possible in as little as 20 minutes, thanks to Midwest Title Loans.

short-term loans

If you need money quickly, Midwest Title Loans offers three loan programs that can help you get what you need and get on with your life.

Kansas City Installment Loans

“Installment loan” is another term for a personal loan, or any loan that is repaid with regularly scheduled payments in consistent amounts. Car loans and mortgages are considered installment loans, but often those require you to have a good credit history. If you don’t have great credit, or maybe you’ve made some financial mistakes in the past, you can still get an installment loan from Midwest Title Loans.

We offer two installment loan options for people with challenged credit. The first is a collateralized loan, where you are borrowing money in order to make a purchase, such as a car, computer, or kitchen appliances. The item you buy using the loan becomes the collateral for the loan.

The second type of installment loan is a non-collateralized loan. This is a personal loan that doesn’t require putting up an item for collateral. It is given based on your ability to repay the loan. Non-collateralized loans may have higher interest rates because of the lack of collateral. Many people use this type of loan to consolidate debt or pay off urgent bills before they go into collections.

When you take out an installment loan from us, we’ll set up a monthly payment plan, in which each payment includes a portion of the original amount of the loan, plus interest your loan has accrued. The amount you must pay each month depends on how much money you need to borrow, the interest rate we can give you for the loan, and the length of time you choose to have the loan, sometimes called the loan term. You will agree upon all of these during the application and approval process; we will never surprise you with this information.

To apply for and qualify for an installment loan in Kansas City, you must first complete a brief credit application, indicating why you need the loan and the amount of money you need. All loan applicants must be 18 or older and are required to provide proof of employment. Once you are approved, one of our loan advisors will discuss your loan with you and help you choose your loan term and calculate the amount you can afford to pay back each month. When you sign the paperwork, you can leave our 85th and Wornall location with your money in hand!

Car Title Loans in Missouri and Kansas

A car title loan is very simple. It’s a short-term loan that uses the title of your car as collateral. It doesn’t require any credit checks, so it doesn’t matter what your credit score is. To qualify for a title loan, you must be at least 18 years old and bring your car in for an evaluation with its lien-free title in your name.

We’ll ask you a few questions to complete an application for you (or you can complete it online yourself before you come in). When you’re approved for the loan, sometimes in as little as 20 minutes, you can leave with the cash and drive away in your car.

While your loan is active, we’ll hang onto your car title. You can continue driving your vehicle in the meantime, and when you pay off your title loan, we’ll return your car title. A title loan is the most common loan we process at our four Midwest Title Loans locations.

Flex Loans Near Waldo in Kansas City

A flex loan, like a car title loan, uses your car title as collateral. However, it is structured more like a line of credit, which allows you to borrow money against your car title any time you need it, up to the limit we discuss when you take out the loan.

When you’re approved for the loan, you’ll receive a credit limit which you can borrow against any time, as often as you need to. You never have to borrow the full amount, and you pay a daily interest rate only on the money you’ve borrowed for the length of time you’ve borrowed it.

Unlike a car title loan which changes to a “closed” status when you pay it back, a flex loan remains open. You can borrow money again and again without filling out a new application or providing us with additional information. When you need money from your flex loan line of credit, just call us to let us know how much you need, and we’ll get your cash ready for you to pick up at your convenience.

You can take out a flex loan at our location at 330 W. 85th Street in Kansas City.

Get Emergency Money in Gladstone and Overland Park

If you find yourself short on cash during an emergency, visit one of our four Midwest Title Loans locations across the Kansas City metropolitan area. In as little as 20 minutes, you can leave with the money you need to take care of the emergency you’re facing.

We work with all our clients to ensure they can comfortably pay back any loan they borrow from us. Because we’re focused on customer service and helping people in the Kansas City area, our reputation as one of the best short-term loan providers is well-deserved!

Come see us at 85th and Wornall in Kansas City, Missouri; 82nd and Metcalf in Overland Park; at State Avenue and Washington Boulevard in Kansas City, Kansas; or NE 64th Street and N. Oak Trafficway in Gladstone to learn how we can help you get the money you need and deserve.


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330 W. 85th Street
Kansas City, MO 64114
Phone: (816) 363-8600
M-F: 10:00am – 6:00pm
Sa: 8:00am – 1:00pm

6420 North Oak Trfwy
Gladstone, MO 64118
Phone: (816) 436-7711
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

8212 Metcalf Ave.
Overland Park, KS 66204
Phone: (913) 381-2222
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm

2500 State Ave.
Kansas City, KS 66102
Phone: (913) 281-9997
M-F: 10:00am – 6:00pm
Sa: 9:00am – 2:00pm