Payday Loans in Atlanta, Kansas

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

Company nameAddressZip codePhone number
CBCS Collections 105 W 5th Ave, Emporia, KS 66801 +1 (620) 343 - 6220
Farm Bureau Financial Services 430 W Main St, Mound City, KS 66056 +1 (913) 795 - 2288
High Plains Farm Credit 601 Main St, Larned, KS 67550 +1 (620) 285 - 6978
Check `n Go 1009 W 6th St, Junction City, KS 66441 +1 (785) 223 - 6100
Citizens State Bank & Trust Co 203 N Douglas Ave, Ellsworth, KS 67439 +1 (785) 472 - 3141
Money Shack Payday Loans 5530 W Central Ave, Wichita, KS 67212 +1 (316) 681 - 0046
Walmart Money Center 2700 S Santa Fe Ave, Chanute, KS 66720 +1 (620) 431 - 3077
Check `n Go 4846 State Ave, Kansas City, KS 66102 +1 (913) 596 - 1879
S.A.M. Check Cashing Machine 201 N Main St, Haysville, KS 67060 +1 (316) 522 - 5583
Jennifer L Frank Bookkeeping & Ta 1120 Ohio St, Alma, KS 66401 +1 (785) 765 - 4607

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Atlanta, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lenexa, KS, Bad Credit Loans in Manhattan, KS, Online Loans in Olathe, KS, Payday Loan for Overland Park, KS, Payday Loans in Salina, KS, Payday Loan Without a Credit Check in Shawnee, KS, Payday Loan for Topeka, KS and Same Day Loans in Wichita, 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 Atlanta, KS.

Beautiful sights of Atlanta, KS

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

67008

Are Payday Loans Legal In Atlanta, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Atlanta, 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 Atlanta, 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

Atlanta, KS payday loan calculator

Understanding Payday Loans in Atlanta, Kansas

Payday loans are small-dollar, short-term loans usually offered to borrowers with a bad credit score. They are typically designed to help individuals cover expenses until their next paycheck. These loans are popular because they are easy to obtain and don’t require collateral.

How Payday Loans Work in Kansas

In the state of Kansas, payday loans are legal. In fact, Kansas is one of the few states that have not imposed any caps on interest rates for payday loans. This means that lenders are free to charge as much as they want for the loans they offer.

Generally, borrowers can apply for payday loans from storefront lenders or online lenders. The application process is usually quick and easy, often requiring a few basic pieces of information such as the borrower’s name, address, social security number, and employment information. Lenders may use this information to determine if the borrower is eligible for a payday loan and how much they can borrow.

Once a borrower is approved, the funds are typically deposited into their bank account within one business day. Borrowers are expected to pay back the loan in full, along with any fees and interest, on their next payday or within two to four weeks from the date of the loan.

If a borrower is unable to repay the loan on time, they may be offered a rollover or an extension. However, these options usually come at an additional cost and can add up to significant amounts of debt over time.

The Pros and Cons of Payday Loans in Atlanta, Kansas

There are both advantages and disadvantages to taking out a payday loan. Here are some of the pros and cons of these types of loans:

Pros:

  • Payday loans are easy to obtain and can offer quick access to cash when needed.
  • These loans may be an option for individuals with bad credit who cannot qualify for traditional loans.
  • Payday loans do not require collateral, such as a car or home, as security.

Cons:

  • Payday loans often come with high-interest rates and fees, which can make it difficult for borrowers to repay the loan on time.
  • If a borrower is unable to repay the loan on time, they may be offered a rollover or an extension, which can add up to significant amounts of debt over time.
  • Payday loans can be a costly form of credit and should only be used as a last resort.

Interesting Facts and Statistics about Payday Loans in Atlanta, Kansas

  • Kansas has one of the highest concentrations of payday lenders per capita in the United States.
  • In Kansas, the average annual percentage rate (APR) on a 14-day loan of $100 is 391%.
  • According to a 2016 report by the Consumer Financial Protection Bureau (CFPB), more than 80% of all payday loans are rolled over or renewed.

Apply Now

If you need access to cash quickly, and have considered all other options, a payday loan may be an option for you. At TheGuaranteedLoans, we have a network of lenders who may be able to help you get the funds you need. Simply fill out our online application, and we will connect you with a lender who can provide you with more information about their loans, fees, and terms.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions, and we do not charge any fees for our services. Instead, we facilitate your connection with potential lenders who may be able to help you get the funds you need quickly.

Conclusion

Payday loans may be a quick and easy way to get the cash you need, but they can also come with high fees and interest rates. Before taking out a payday loan, it’s important to consider all of your options and to only borrow what you can afford to repay.

At TheGuaranteedLoans, we are committed to providing our readers with accurate and up-to-date information about payday loans, so that they can make informed decisions about their finances.

F.A.Q.

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

No, a payday lender cannot seize your assets in Atlanta, 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.

Can I be sued for not repaying a payday loan in Atlanta, Kansas?

Yes, if you default on your payday loan in Atlanta, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.