Most payday loan lenders like Waldo Financial of Kansas City will consider whether you.. Have a full time job or receive regular income of at least $1,500 per month. Have a bank account with a traditional bank in good standing for at least 90 days. Have direct deposit of your paycheck into your checking account. Are a U.S. resident at least 18 years old. Even if you've had a prior bankruptcy, a poor credit history or charge-offs, you may still qualify for a payday loan or cash advance loan in Kansas City. Kansas City installment loans have slightly different qualifications.