Kansas Personal Loans

Minute Loan Center works harder to Say YES!
To get you the funds you need.

Line of Credit

Similar to a credit card, it gives you the ability to access funds when you need them. You can take an advance against your credit line, pay down, and borrow more as you need it, up to your credit limit.


Online Line of Credit Questions:

How much money can I borrow?

Kansas residents may be eligible to receive a credit line up to $5,000.

How much does an advance cost?

The Minute Loan Center Line of Credit fees are determined by taking accrued Fees and Charges that as of the Closing Date of the Billing Cycle, plus ten percent (10%) of the outstanding Advance balances up to $1,000.00, or five percent (5%) of the outstanding Advance balances above $1,000.00, or $50. Remember, by paying on time or paying more than the minimum balance, you can save money and have more credit available when you need it!

When will my loan be due?

We want to make this convenient for you. You can choose to schedule automatic payments on your statement due date or can choose to have your statement’s minimum payment divided and presented on your pay dates. Choosing the pay date option makes it generally easier to manage your budget.

How can I get more cash?

As long as your Minute Loan Center online line of credit is active, you will be able to take advances up to your credit limit at anytime. When you pay down your advances, you immediately get access to more funds.


Minute Loan Center
Itemization of Charges – Revolving Credit
as of November 2, 2023


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Advances
 For balances up to $5,000, between 179.00% and 701.5625%, depending
on your creditworthiness.
Paying Interest
 We will begin charging interest on advances on the transaction date.
Set-up and Maintenance Fees
Annual Fee$24.95
Transaction Fees
Advance FeeEither 15% or $1 of each Advance, whichever is greater.
Penalty Fees
Late Payment


Either $25 or 5% of the unpaid amount, whichever is less


Interest Charges for Advances

Your Account is subject to Interest Charges (periodic rate Finance Charges). The Interest Charges for Advances are based on the Annual Percentage Rate(s) and corresponding Daily Periodic Rate(s) we include in your Account Opening Disclosures. We figure the Interest Charges on your Account by applying the Daily Periodic Rate to the “Daily Balance” of unpaid Advances in your Account for each day in the Billing Cycle.

To get the “Daily Balance,” we take the beginning balance of your Account each day, add any new Advances, and subtract any unpaid Interest Charges, Fees and Other Charges, and any payments or credits. This gives us the “Daily Balance.” Then, we multiply the Daily Balance for each day by the Daily Periodic Rate to obtain the “Daily Interest Charge” for the day, rounding the Daily Interest Charge to the nearest whole cent. At the end of each Billing Cycle, we add together the Daily Interest Charges for each day in the Billing Cycle to determine the total Interest Charges due for your Account during the Billing Cycle.