Payday Loans in Arcadia, Kansas

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

Company nameAddressZip codePhone number
ANB Bank 11830 W 135th St, Overland Park, KS 66221 +1 (913) 888 - 8490
Money Mart 2205 S 4th St 2, Leavenworth, KS 66048 +1 (913) 758 - 1070
BancCentral National Association 203 W Main St, Anthony, KS 67003 +1 (620) 842 - 1000
Citizens Bank of Kansas 300 N Main St, Kingman, KS 67068 +1 (620) 532 - 5162
B N"T Payday Loans 432 Main St, Osawatomie, KS 66064 +1 (913) 755 - 2513
Raymond James Financial Services 1610 Industrial Rd, Paola, KS 66071 +1 (913) 294 - 9400
Central National Bank 711 Wakarusa Dr, Lawrence, KS 66049 +1 (785) 838 - 1893
Walmart Money Center 1188 Pony Express Hwy, Marysville, KS 66508 +1 (785) 562 - 2390
ACE Cash Express 601 Kasold Dr Ste C104, Lawrence, KS 66049 +1 (785) 749 - 3800
LibertyX Bitcoin ATM 2201 N 9th St, Salina, KS 67401 +1 (800) 511 - 8940

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Arcadia, KS, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Topeka, KS, Online Loans in Wichita, KS, Quick Loan in Hutchinson, KS, Guaranteed Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Guaranteed Loans in Leavenworth, KS, Quick Loan in Leawood, KS and Payday Loans in Lenexa, 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 Arcadia, KS.

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

66711, 66741

Are Payday Loans Legal In Arcadia, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Arcadia, 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 Arcadia, 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

Arcadia, KS payday loan calculator

Advise to read before applying

The Ultimate Guide to Payday Loans in Arcadia, Kansas

Life can be unpredictable, and sometimes you may find yourself in urgent need of funds to cover unexpected expenses. Whether it is a medical emergency, a home repair issue, or an unexpected bill that has come up, payday loans can be a helpful option for those who need fast access to cash.

In this article, we will guide you through the ins and outs of payday loans in Arcadia, Kansas. We will cover how these loans work, what the requirements are to qualify for one, and what to expect when you take out a payday loan in Arcadia, Kansas.

How do payday loans work in Arcadia, Kansas?

A payday loan is a short-term loan that typically has a high-interest rate and short repayment period. These loans are designed to help people who need money quickly and don’t have access to other types of credit or funding. Payday loans are legal in Arcadia, Kansas, but there are regulations that lenders must follow.

When you take out a payday loan, you typically borrow a small amount of money and repay it on your next payday. The lender will typically require proof of income or employment and will base the loan amount on your income. The interest rates on payday loans are typically much higher than those of traditional loans, and the repayment terms can be very short. This means that if you don’t repay the loan on time, the interest and fees can add up quickly, making it difficult to pay back the loan.

What are the requirements to qualify for a payday loan in Arcadia, Kansas?

In order to qualify for a payday loan in Arcadia, Kansas, you must meet certain requirements. These requirements vary by lender, but generally, you must be at least 18 years old, have a steady source of income, and have a checking account. Some lenders may require additional documentation, such as proof of residence or identification.

It is important to note that payday loans should be used as a short-term solution for emergency situations and not as a long-term financial strategy. If you find yourself needing to take out multiple payday loans or relying on them as a regular source of income, you may need to consider other options.

What should I expect when I take out a payday loan in Arcadia, Kansas?

When you take out a payday loan, you will typically receive the funds within a few hours or by the next business day. You will then be required to repay the loan on your next payday, along with any interest and fees. The repayment terms will vary depending on the lender, but most payday loans require full repayment within two to four weeks.

If you are unable to repay the loan on time, the lender may offer you a rollover option, which allows you to extend the loan for an additional fee. However, this can lead to a cycle of debt that is difficult to break free from. It is important to carefully review the terms and conditions of any loan before you agree to it and to have a solid plan for how you will repay the loan on time.

Interesting Facts and Statistics about Payday Loans in Arcadia, Kansas:

  • There are currently over 300 payday lenders operating in Kansas.
  • In 2019, over 150,000 payday loans were taken out in Kansas, totaling over $70 million in loans.
  • As of 2021, the maximum loan amount for payday loans in Kansas is $500, and the maximum finance charge is 15% of the total loan amount.
  • Payday loan borrowers in Kansas typically take out an average of 8 loans per year.

Apply Now

If you are in need of fast access to funds, you can apply for a payday loan through TheGuaranteedLoans website. We are a connector service that can help you connect with potential lenders. Simply fill out our online application, and we will match you with the best lenders based on your needs and qualifications.

It is important to note that TheGuaranteedLoans is not a direct lender and does not make loan decisions. We simply connect borrowers with lenders and facilitate the loan process. Before you accept any loan offer, it is important to carefully review the terms and conditions and to ensure that you can repay the loan on time.

In Conclusion

Payday loans can provide a quick solution for those in urgent need of cash, but they should be used responsibly. If you are considering taking out a payday loan in Arcadia, Kansas, it is important to carefully review the terms and conditions of any loan offer and to have a solid plan for how you will repay the loan on time.

By following these guidelines and using payday loans as a short-term solution, you can take control of your finances and avoid falling into a cycle of debt.

F.A.Q.

Can I file for bankruptcy to discharge my payday loan debt in Arcadia, Kansas?

Yes, you can file for bankruptcy to discharge your payday loan debt in Arcadia, Kansas. However, keep in mind that bankruptcy is a serious decision that can have long-term consequences on your credit and financial situation. It is recommended to explore all other options before considering bankruptcy.

Are there any protections for military members in Arcadia, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Arcadia, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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