Payday Loans in Bluff City, Kansas

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

Company nameAddressZip codePhone number
Peoples State Bank 940 Oak Ave, Hoxie, KS 67740 +1 (785) 675 - 2224
First Bank 128 S Broadway Ave, Sterling, KS 67579 +1 (620) 278 - 2161
First National Bank & Trust Co 702 N Washington St, Junction City, KS 66441 +1 (785) 762 - 4121
Check `n Go 6254 E 37th St N #170, Wichita, KS 67220 +1 (316) 688 - 0913
Advance America 12848 W 87th St, Lenexa, KS 66215 +1 (913) 495 - 9715
Advance America 3015 S 4th St, Leavenworth, KS 66048 +1 (913) 680 - 0106
Farmers National Bank-Kansas 210 N Prairie Ave, Hepler, KS 66746 +1 (620) 368 - 4311
IPI Financial Services 3006 Broadway Ave, Hays, KS 67601 +1 (785) 625 - 5605
Raymond James Financial Services 130 E 7th St, Concordia, KS 66901 +1 (785) 243 - 4141
Central National Bank ATM 101 S Broadway St, Herington, KS 67449 +1 (888) 262 - 5456

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bluff City, KS, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Olathe, KS, Payday Loans in Overland Park, KS, Bad Credit Loans in Salina, KS, Short-term Loans in Shawnee, KS, Payday Loans in Topeka, KS, Short-term Loans in Wichita, KS, Payday Loans in Hutchinson, KS and Payday Loan for Kansas City, 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 Bluff City, KS.

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

67018

Are Payday Loans Legal In Bluff City, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Bluff City, 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 Bluff City, 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

Bluff City, KS payday loan calculator

Understanding Payday Loans in Bluff City, Kansas

Payday loans are small, short-term loans that are often taken out in times of financial emergencies. These loans are designed to give individuals a quick influx of cash when they are faced with unexpected expenses or when they simply need help making ends meet until their next paycheck.

In Kansas, payday loans are legal. This means that individuals in Bluff City, Kansas, can take advantage of this financial resource to secure the funding they need, quickly and easily.

How Payday Loans Work in Bluff City, Kansas

In Bluff City, Kansas, payday loans are regulated by the Office of the State Bank Commissioner. This means that lenders must adhere to strict regulations to ensure that they are providing fair and transparent loans to consumers.

To apply for a payday loan, applicants must be 18 years of age or older and have a steady source of income. Once they meet these basic requirements, they can visit a payday loan storefront or apply online to receive an advance on their next paycheck.

The loan amounts available through payday lending services in Bluff City, Kansas, vary. Most lenders offer loans ranging from $100 to $500. Once the loan is approved, the individual typically has 14 to 30 days to repay the loan – depending on their next payday.

The Benefits and Drawbacks of Payday Loans

Like any financial resource, payday loans have both benefits and drawbacks. On one hand, these loans offer borrowers quick access to cash in times of need. They are easy to apply for and the application process is generally straightforward.

However, payday loans come with high interest rates and fees that can make them a costly financial resource. Additionally, payday loans are frequently criticized for trapping borrowers in cycles of debt. It is not uncommon for individuals to take out one payday loan to repay another, leading to a cycle of borrowing and debt that can be difficult to break.

Interesting Facts and Statistics

  • According to a report from Pew Trusts, 12 million Americans take out payday loans each year.
  • The average payday loan borrower in the United States takes out eight loans per year.
  • The typical payday loan borrower is a white female, between the ages of 25 and 44, with an annual income of less than $40,000.
  • In 2019, there were 326 payday lenders operating in Kansas.
  • In Kansas, the average payday loan interest rate is 391%.

Apply Now

At TheGuaranteedLoans, we help connect borrowers in Kansas with lenders who can provide them with the funding they need. If you are considering taking out a payday loan in Bluff City, Kansas, we encourage you to fill out an application on our website.

Please keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We will help facilitate your connection with potential lenders and will work with you to find the loan that best meets your needs.

Apply now and get the quick cash you need to cover your expenses today!

F.A.Q.

What are the risks of taking out a payday loan in Bluff City, Kansas?

Payday loans in Bluff City, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.

Can I be arrested for defaulting on a payday loan in Bluff City, Kansas?

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