Payday Loans in Altoona, Kansas

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

Company nameAddressZip codePhone number
Western Union 915 N 9th St, Humboldt, KS 66748 +1 (800) 325 - 6000
Exchange Bank & Trust 423 Main St, Effingham, KS 66023 +1 (913) 833 - 5560
Check Into Cash 620 N Rock Rd Ste 370, Derby, KS 67037 +1 (316) 789 - 9084
LendNation 5402 Johnson Dr, Mission, KS 66205 +1 (913) 262 - 5460
Armed Forces Bank 5303 Ashby Ave Bldg 5303, Fort Riley, KS 66442 +1 (816) 412 - 1814
United States Postal Service 563 Elm St, Bunker Hill, KS 67626 +1 (800) 275 - 8777
Brookdale Salina Kirwin 1200 E Kirwin Ave, Salina, KS 67401 +1 (785) 825 - 8200
First Bank Loan Production Agency 6201 College Blvd Suite 100, Overland Park, KS 66211 +1 (800) 760 - 2265
INTRUST Bank 308 W Central Ave, Andover, KS 67002 +1 (316) 383 - 3350
AAMCO Transmissions & Total Car Care 2490 S Meridian Ave, Wichita, KS 67217 +1 (316) 553 - 5271

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Altoona, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Shawnee, KS, Emergency Loan in Topeka, KS, Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, 24-Hour Loan in Leavenworth, KS and Payday Loans in Leawood, 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 Altoona, KS.

Beautiful sights of Altoona, KS

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

66710

Are Payday Loans Legal In Altoona, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Altoona, 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 Altoona, 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

Altoona, KS payday loan calculator

Everything You Need to Know About Payday Loans in Altoona, Kansas

Payday loans are a popular and legal form of borrowing money in Kansas. If you live in Altoona, Kansas, and are considering taking out a payday loan, this article will provide you with everything you need to know.

What are payday loans?

A payday loan is a short-term loan that typically lasts for two weeks or until your next payday. They are designed to give you quick access to cash when you need it most. Payday loans are usually for small amounts, typically between $100 and $1,000, and carry high-interest rates and fees.

Are payday loans legal in Altoona, Kansas?

Yes, payday loans are legal in Kansas. However, the state does have regulations on payday lending. For example, the maximum loan amount is $500, and lenders are limited to charging no more than 15% interest on the loan.

How do payday loans work in Altoona, Kansas?

The process of taking out a payday loan in Altoona, Kansas, is straightforward. You provide the lender with your personal and financial information, including your employment status and income. If you are approved for the loan, the lender will deposit the funds directly into your bank account. When the loan becomes due, the lender will deduct the loan amount plus fees and interest from your bank account.

What are the benefits of payday loans?

  • Quick access to cash in an emergency
  • No credit check required
  • No collateral required

What are the risks of payday loans?

  • High-interest rates and fees
  • Short repayment terms
  • Potential for a cycle of debt

The reality of payday loans in Altoona, Kansas

While payday loans can provide you with quick access to cash, they can also put you in a cycle of debt. According to the Kansas Office of the State Bank Commissioner, in 2019, the average annual percentage rate (APR) for payday loans in Kansas was 391%. This high-interest rate can make it difficult for borrowers to repay the loan and may lead to borrowing more money to pay off the existing debt.

Interesting Facts About Payday Loans in Altoona, Kansas

  • Altoona, Kansas has a population of just over 450 people
  • There are no payday lenders located in Altoona
  • In Kansas, the highest concentration of payday lenders is in Wichita
  • The average annual income in Altoona is $33,000

Apply Now

At TheGuaranteedLoans, we can help connect you with potential lenders for payday loans in Altoona, Kansas. Fill out our online application today to get started. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

Payday loans in Altoona, Kansas can be a quick solution for those in need of cash. However, it’s essential to weigh the benefits and risks of payday loans before taking one out. Consider your financial situation and decide if a payday loan is the right option for you.

F.A.Q.

Can a payday lender garnish my wages in Altoona, Kansas if I default on my loan?

Yes, if you default on your payday loan in Altoona, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.

Can a payday lender seize my assets in Altoona, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in Altoona, Kansas if you default on your loan. However, the lender may be able to take legal action to recover the funds, which could include wage garnishment or other consequences.