Payday Loans in Alta Vista, Kansas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

No payday loan companies in Alta Vista, KS. Consider companies in other cities:

Company nameAddressZip codePhone number
MoneyGram 820 US-59, Atchison, KS 66002 +1 (913) 367 - 4011
Bank of the West 1200 Kansas Ave, Great Bend, KS 67530 +1 (620) 792 - 1771
Barri Agent 164 W Pancake Blvd, Liberal, KS 67901
J and J Accounting LLC 610 Bridge St, Humboldt, KS 66748 +1 (620) 473 - 2831
Waddell & Reed, Inc. - Financial Advisors 1516 Main St, Great Bend, KS 67530 +1 (620) 792 - 3601
Southwind Bank 436 N Main St, Russell, KS 67665 +1 (785) 483 - 2300
First National Bank in Cimarron 121 N Main St, Cimarron, KS 67835 +1 (620) 855 - 3416
Loughmiller Motors 2007 N Broadway 2826, Pittsburg, KS 66762 +1 (620) 231 - 2277
Advance America 523 N State St, Iola, KS 66749 +1 (620) 365 - 6191
Bank of Gas 301 W 1st St, Gas, KS 66742 +1 (620) 365 - 3195

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alta Vista, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Wichita, KS, Payday Loan for Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loan Companies in Lawrence, KS, Guaranteed Loans in Leavenworth, KS, Short-term Loans in Leawood, KS, 24-Hour Loan in Lenexa, KS and Quick Loan in Manhattan, KS. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Alta Vista, KS.

Payday Loans Available in Alta Vista, KS By The Following ZIP Codes:

66834

Are Payday Loans Legal In Alta Vista, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Alta Vista, Kansas residents may only be for $500 for the first loan and $300 for each additional loan. The lender must give a monthly statement in which the borrower will see how much money was borrowed, how much was repaid, and how much the total cost of the loan is. The Kansas Finance Charge on payday loans is a standard $15 per $100 borrowed. The APR for payday loans in Alta Vista, Kansas is 391%.

Multiple payday advances are not allowed and banks cannot make loans to the same borrower for more than $500 on the borrower’s written agreement. There must be at least 7 days between successive loans and the lender must return a payment made before deducting finance charges if the lender could not reasonably have expected the advance to be paid.

Kansas Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)391
Maximum Loan Amount$500
Minimum Loan Term7 days
Maximum Loan Term30 days
Number of Rollovers AllowedNot specified
Finance Charges15% of the amount advanced

Alta Vista, KS payday loan calculator

Payday Loans in Alta Vista, Kansas: Understanding the Process

Payday loans are a valuable financial tool for individuals who find themselves in need of immediate cash. In Alta Vista, Kansas, payday loans are legal and regulated by state and federal law. These loans are short-term and generally intended to be repaid on the borrower’s next payday. They are also accessible to individuals with poor credit histories, as credit checks are typically not required for approval.

What Are Payday Loans?

Payday loans are a short-term loan option that allows borrowers to access cash quickly. These loans typically range from $100 to $1,500 and are intended to be repaid within a few days or weeks. Repayment terms are generally based on the borrower’s next payday, hence the name “payday loan.”

Payday loans in Alta Vista, Kansas are subject to state and federal regulations to protect borrowers from unfair lending practices. Before taking out a payday loan, it is important to understand the details of the loan agreement, including the interest rates, fees, and repayment terms. Ensure the lender is licensed by the state of Kansas before entering into an agreement with them.

The Process of Obtaining a Payday Loan

The process of obtaining a payday loan in Alta Vista, Kansas is simple and straightforward. First, a borrower must find a lender authorized to operate in Kansas. Once a lender is found, the borrower will need to fill out an application, which typically requires proof of income, identification, and bank account information.

If the borrower meets the lender’s requirements, they will be approved for the loan. At this time, the borrower will receive the cash they need, and the loan agreement will detail the repayment terms. Typically, the borrower must repay the loan in full on their next payday, and the lender will automatically withdraw the amount owed from the borrower’s bank account. As previously mentioned, credit checks are typically not required for payday loan approval, making them an attractive option for individuals with poor credit histories.

Interest Rates and Fees

Payday loans in Alta Vista, Kansas are subject to state and federal regulations regarding interest rates and fees. Typically, lenders charge a flat fee for the loan, which can range from $15 to $30 for every $100 borrowed. This means if a borrower takes out a $500 loan, they could be charged up to $150 in fees. While this may seem like a significant amount, the fees are intended to compensate the lender for the risk associated with lending to individuals with poor credit or financial hardship.

It’s important to carefully review the loan agreement and understand the fees associated with the loan. Ensure the fees are reasonable and comply with state and federal regulations. For example, in Kansas, payday loan lenders are not allowed to charge more than 15% of the loan amount in fees.

The Risks and Benefits of Payday Loans

As with any financial product, there are risks and benefits to taking out a payday loan. Payday loans are a quick and convenient way to access cash when you need it most. They are also accessible to individuals with poor credit histories, which can be beneficial for those who may not qualify for traditional loans.

However, payday loans are subject to high interest rates and fees, which can create a cycle of debt for borrowers who cannot repay the loan in full on their next payday. Additionally, some lenders may engage in predatory lending practices, which can include hidden fees and aggressive debt collection tactics.

Interesting Facts and Statistics About Payday Loans in Alta Vista, Kansas

  • According to the Consumer Financial Protection Bureau, approximately 12 million Americans take out payday loans each year.
  • Kansas is one of 27 states in the U.S. that allow payday lending.
  • In Kansas, borrowers are prohibited from taking out more than two payday loans at a time, and the combined loan amount cannot exceed $500.
  • In a 2016 survey conducted by the Pew Charitable Trusts, 69% of payday loan borrowers reported using the loans to cover recurring expenses, such as rent and utilities.

Apply Now for a Payday Loan with TheGuaranteedLoans

If you find yourself in need of a payday loan, let TheGuaranteedLoans connect you with potential lenders. As a connector service, we will facilitate the connection between you and a lender. Our online application process is quick and easy, and we work with a network of licensed lenders to ensure you have access to the funds you need. Remember, payday loans in Alta Vista, Kansas are legal, but it’s important to understand the risks and benefits before taking out a loan.

F.A.Q.

Can I be arrested for defaulting on a payday loan in Alta Vista, Kansas?

No, you cannot be arrested for defaulting on a payday loan in Alta Vista, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.

Are there any restrictions on the number of payday loans I can take out in Alta Vista, Kansas?

Yes, in Alta Vista, Kansas, you are only allowed to have one outstanding payday loan at a time. This means that you cannot take out multiple payday loans from different lenders at the same time.