Payday Loans in Berryton, Kansas

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

Company nameAddressZip codePhone number
Money N Minutes LLC 218 S Kansas Ave, Olathe, KS 66061 +1 (913) 782 - 3900
Advance America 204 Parkway Blvd, Liberal, KS 67901 +1 (620) 626 - 7115
Alden State Bank 124 N Broadway Ave, Sterling, KS 67579 +1 (620) 278 - 2244
LoanMaster 4007 Parkview Dr C, Pittsburg, KS 66762 +1 (620) 231 - 1647
Valley State Bank 502 N Merchant St, Belle Plaine, KS 67013 +1 (620) 488 - 2211
LendNation 129 W Dennis Ave, Olathe, KS 66061 +1 (913) 829 - 9200
Barri Agent 328 Commercial St, Emporia, KS 66801
First State Bank 120 W Mill St, Plainville, KS 67663 +1 (785) 434 - 2066
Wilson State Bank 101 S Main St, Beverly, KS 67423 +1 (785) 436 - 2338
Union State Bank 201 Front St, Randolph, KS 66554 +1 (785) 293 - 5516

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Berryton, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loan Without a Credit Check in Leavenworth, KS, Payday Loan Without a Credit Check in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, No Credit Check Loans in Olathe, KS and Payday Loans in Overland Park, 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 Berryton, KS.

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

66409

Are Payday Loans Legal In Berryton, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Berryton, 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 Berryton, 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

Berryton, KS payday loan calculator

Payday Loans in Berryton, Kansas

Payday loans are a popular financial instrument in Berryton, Kansas. These short-term loans, which are typically for amounts under $500, are designed to help people bridge the gap between paychecks or cover unexpected expenses. The payday loan industry has come under scrutiny in recent years due to concerns about high-interest rates and predatory lending practices. However, payday loans are legal in Kansas, and many people continue to rely on them for quick and easy access to cash.

How Payday Loans Work

Payday loans are typically offered by storefront lenders and online lenders. To apply for a payday loan in Berryton, Kansas, you need to provide proof of income, such as a pay stub or bank statement, and a valid ID. You also need to have a checking account, as this is where the loan funds will be deposited and where the lender will withdraw the loan repayment on the due date, typically the borrower’s next payday.

The loan amount is typically based on the borrower’s income and can range from $100 to $500. The loan term is usually two to four weeks, although some lenders may offer longer terms. The borrower is required to pay back the loan and any fees or interest charged by the due date. If the borrower is unable to repay the loan on time, they may be charged additional fees and interest or be subject to collections.

The Risks of Payday Loans

Payday loans are often criticized for their high-interest rates and fees. According to the Consumer Financial Protection Bureau, the average annual interest rate on a payday loan in Kansas is 391%. This means that a borrower who takes out a $250 payday loan and pays it back in two weeks will pay $50 in interest and fees. If they are unable to repay the loan on time, they may be charged additional fees and interest, which can quickly add up.

Another risk of payday loans is the potential for borrowers to become trapped in a cycle of debt. If a borrower is unable to repay the loan on time, they may be tempted to take out another payday loan to cover the first one. This can lead to a cycle of borrowing and debt that can be difficult to escape.

The Benefits of Payday Loans

Despite the risks, there are some benefits to payday loans. For one, they provide quick and easy access to cash for people who may not have other options. Payday loans do not require collateral, and the application process is often quick and simple.

Payday loans can also be helpful for people who have bad credit or no credit history. Lenders typically do not perform a credit check when approving payday loans, which means that borrowers with less-than-stellar credit can still qualify.

Interesting Facts and Statistics About Payday Loans in Berryton, Kansas

  • There are approximately 352 payday lenders operating in Kansas, according to the Center for Responsible Lending.
  • In 2019, payday lenders in Kansas made over 625,000 loans, with a total value of $267 million.
  • The average payday loan amount in Kansas is $305.
  • Payday loans in Kansas are legal and regulated by the Kansas Office of the State Bank Commissioner.
  • Kansas is one of 27 states that allow payday lending, but many other states have more stringent regulations or have banned payday lending altogether.

Apply Now for a Payday Loan

If you are in need of a payday loan in Berryton, Kansas, TheGuaranteedLoans is here to help. We are a connector service that specializes in connecting borrowers with potential lenders. Our network of lenders offers payday loans, title loans, and other financial products to help you get the cash you need.

Applying for a loan through TheGuaranteedLoans is quick and easy. Simply fill out our online application form, and we will match you with potential lenders based on your needs and qualifications. You could receive a loan offer in as little as a few minutes.

Remember, payday loans are a short-term solution and should only be used to cover unexpected expenses or bridge the gap between paychecks. They are not a long-term financial solution and can be expensive if not repaid on time. Be sure to read the loan terms and conditions carefully before accepting a loan offer.

Apply now and get the cash you need today!

F.A.Q.

Are there any resources available to help me avoid taking out a payday loan in Berryton, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Berryton, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.

What are payday loans in Berryton, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.