St Joseph Personal Loans

Get Money Fast!   Apply Online,  Call (816) 627-5351,  or Visit the St. Joseph Location Today!

Submit your loan application online or give the St Joseph King of Kash location a call today at (816) 627-5351.

Fast Approval!

Your personal loan application will be reviewed FAST – typically within just a few minutes! Apply Now

Get Your Cash Today

Once your loan has been approved, you can pick up your cash or have it deposited into your account same-day!

Get a Personal Loan in St. Joseph, MO Today!

Saint Joseph Personal LoansAre you looking for a fast loan in St. Joseph? Is there a financial emergency that needs to be handled right now and not next week? Then you’re in the right place!

At King of Kash, we make getting the money you need fast and easy. We’ve been providing the great state of Missouri, and St. Joseph residents, with our industry leading private lending services for 40 years now. We’ve helped hundreds of thousands of people just like you make it through financial hardships with our easy to repay installment loans. If you need some help, take a look at our personal loan, installment loan, signature loan, and line of credit services to find out if they’re right for you!

Who is King of Kash?

Founded and established in 1978, King of Kash has been serving St. Joseph, MO by offering affordable loans to borrowers who need a quick financial relief. King of Kash aims at providing our customers with better and less risky financing options than the predatory title and payday loan companies that trick people into a vicious debt cycle.

Almost four decades after King of Kash was built, we have now served more customers in Missouri than payday loan companies, banks, and credit unions have combined. With the recommendations of our loyal customers, King of Kash is set to continue providing personal loans in St. Joseph.

To see why King of Kash has stood out from the rest of the companies and institutions in the local lending industry, give the nearest store a visit!

Difference between personal and payday loans

When people get in a financial bind, they tend to run straight to the payday lender for help. Getting a cash advance loan is the worst possible option. A payday loan is a short term loan that’s normally under $1,000 and taken out against your next paycheck.

While that doesn’t sound bad on the surface, paycheck loans are jam packed with additional fees. They will typically have a fee on the amount borrowed. For instance, you could have a $15 fee for every $100 in your loan so if you take out a $1,000 loan, you have $150 in additional fees tacked onto it. That may not sound like a lot, but it’s actually a 400% APR on a 2 week loan and if you don’t pay it back on time, you can incur late fees and additional penalties making even harder to pay back.

This is why many people that take out a payday loan end up having to roll it over into another one just to pay off the initial loan. AND there’s typically a fee for rolling your loan over too. This is why payday loans have been called predatory because they are.

Personal loans, on the other hand, are typically funded on the borrower’s ability to repay the loan. Therefore, if a potential borrower doesn’t have the capacity to repay the loan, they aren’t approved for one. This prevents them from digging themselves into a deeper financial hole than they already are.

You’re also able to fund up to far higher amounts ($10,000+) and space out the payments over a year or longer which makes them easier to pay off. There also aren’t any fees for paying off your loan quicker so you can avoid much of the additional cost due to interest.

If you’re in a financial bind, be sure to pass on payday loans and go with a personal loan instead.

Do I need good credit for a loan?

No, you do not have to have the perfect credit score to qualify for one of our loans. You don’t even need to have good credit since we base your credit worthiness on your ability to repay the loan, not your credit history.

Along with your proof of income, employment and citizenship, King of Kash will process your loan application quickly and you can get approved within just a few minutes.

No matter who you are and where you are financially in your life right now, as long as you file a loan application and meet our lending criteria, King of Kash will take your application seriously.

In rare cases, King of Kash may still take your credit score into consideration and require you to provide additional documents for qualification, but your installment loan can still be part of the 77% of the total loan approval that the company grants.

How can I qualify for a loan from King of Kash?

Getting a personal loan from King of Kash is easy. Simply provide the following documents and your application is set for processing:

  • Your current proof of employment or fixed income (pay stub, award letter, etc.) to prove that you are employed and have the capacity to repay the loan.
  • If employed, it must be permanent with a minimum of 36 hours/week.
  • You must have an open and active checking or savings account (for a minimum of 30 days).
  • Debit or Credit Card in your name with a Visa or MasterCard logo.
  • Verifiable home or cell phone. We may need to call you to discuss the details of your application and the terms of your loan.
  • You must be at least 18 years old and a U.S. citizen
  • Verifiable Social Security number
  • Valid government issued photo I.D.

Frequently Asked Questions About Our Loans

How long does the application process take?

We process every application as quickly as we can so you can get your approval decision in a matter of minutes. If approved, we will have your money ready soon after.

How much can I borrow from King of Kash?

You may qualify to borrow up to $3,000 but keep in mind that King of Kash will take your income and payment history into consideration. You can borrow as much as $800 on your first loan.

Do I need collateral to get an installment loan?

King of Kash does not require you present collateral of any form to qualify for our personal loans.

Can I pay my personal installment loan off early?

Yes. If you’re able to pay off the loan early, there are no penalties for doing so.

How can I make my monthly loan payments?

Since King of Kash is the Easy Loan Store™, we’ve made loan payments as easy and as convenient as we can for our borrowers. You can pay via your debit or credit card, or have it automatically deducted from your bank account. You can also visit a local store to personally drop off your payment. Simply select a payment method that is most convenient for you and we will be happy to accommodate.

 Can I pick up my loan the same-day?

In most cases, yes. Provided that you’re approved, you’re able to pick up your cash at the nearest King of Kash location within a few hours and we’re also able to deposit your loan straight into your bank account via bank wire or ACH transfer. Bank wires typically clear same day, but ACH transfers can take up to 24-48 hours to clear depending on your bank.

or CALL (816) 627-5351

Visit our St. Joseph Location!

St. Joseph

2308 N Belt Hwy

St Joseph, MO 64506

(816) 627-5351

Disclaimer: Content found on, including: text, images, audio, or other media formats were created for informational purposes only. The Content is not intended to be a substitute for professional financial advice. Always seek the advice of a professional accountant, CPA, or financial planner with any questions you may have regarding your finances. Never disregard professional advice or delay in seeking it because of something you read on this blog.