Payday Loans in Burr Oak, Kansas

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

Company nameAddressZip codePhone number
Commercial Bank 108 S McGee St, Caney, KS 67333 +1 (620) 879 - 2122
MoneyGram 523 N State St, Iola, KS 66749 +1 (620) 365 - 6191
Pathway Financial Solutions 120 S Santa Fe Ave, Salina, KS 67401 +1 (785) 820 - 8161
Comfort Keepers Home Care 121 E Walnut St, Salina, KS 67401 +1 (785) 825 - 1055
Central National Bank Mortgage Services 1426 Browning Ave 101, Manhattan, KS 66502 +1 (888) 262 - 5456
Brookdale Liberal Springs 1500 Terrace Ave, Liberal, KS 67901 +1 (620) 624 - 8000
Scholfield Honda 7017 E Kellogg Dr, Wichita, KS 67207 +1 (316) 688 - 6400
LibertyX Bitcoin ATM 2201 N 9th St, Salina, KS 67401 +1 (800) 511 - 8940
Highland Crest Pawn 2834 SE Jefferson St Ste. C, Topeka, KS 66605 +1 (785) 232 - 3054
Simmons Bank 15670 W 135th St, Olathe, KS 66062 +1 (913) 894 - 5400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Burr Oak, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Leawood, KS, Payday Loan Without a Credit Check in Lenexa, KS, Payday Loans in Manhattan, KS, 24-Hour Loan in Olathe, KS, No Credit Check Loans in Overland Park, KS, Payday Loans in Salina, KS, Bad Credit Loans in Shawnee, KS and Quick Loan in Topeka, 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 Burr Oak, KS.

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

66936

Are Payday Loans Legal In Burr Oak, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Burr Oak, 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 Burr Oak, 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

Burr Oak, KS payday loan calculator

Payday Loans in Burr Oak, Kansas: An Overview

Struggling with sudden expenses can cause significant stress and financial strain. If you find yourself in need of quick cash to cover unexpected bills or emergencies, a payday loan may offer a viable solution to your problem.

Payday loans are short-term loans designed to provide borrowers with a small amount of cash to get them through until their next payday. Although Kansas state law regulates them, there are still some critical things you should know before obtaining and paying back payday loans in Burr Oak, Kansas.

How Payday Loans Work in Burr Oak, Kansas

Payday lenders in Burr Oak, Kansas operate under the Kansas Statutes Annotated §§ 16a-2-404, which govern the terms, interest rates, and fees associated with payday loans offered to Kansas residents. It states that borrowers can receive a maximum of $500 per loan and must repay the entire loan amount, along with fees or interest rates, within 7-30 days.

Payday loan lenders in Kansas typically require a postdated check or electronic access to your bank account to ensure repayment. They may also charge significantly high interest and fees that can make repaying the loan more often challenging.

Benefits of Payday Loans in Burr Oak, Kansas

When used judiciously, payday loans can offer several benefits to borrowers, including:

  • Quick access to cash to cover urgent expenses
  • Easy and straightforward application process
  • No credit check required
  • Flexible eligibility criteria as compared to traditional loans

It is crucial to note, however, that payday loans often carry high fees and interest rates, making them one of the most expensive forms of borrowing. If you use them frequently and cannot repay the loan on the due date, you may find yourself in severe financial trouble.

Interest Rates and Fees for Payday Loans in Burr Oak, Kansas

Payday loan lenders in Burr Oak, Kansas are legally allowed to charge up to 15% of the loan amount as a finance fee. This fee is considered interest, as the loan terms are typically only one or two weeks long. On a $100 loan, you would pay $15 in fees and the principal amount, making your total repayment $115.

However, it is essential to note that some payday loan lenders may charge additional fees, such as processing fees, interest rate rollover charges, or check-cashing fees. You should carefully read the terms and conditions of the loan before accepting to ensure you understand precisely how much you will be responsible for repaying.

Applying for a Payday Loan in Burr Oak, Kansas

Applying for a payday loan in Burr Oak, Kansas is a relatively simple process. You need to submit a government-issued ID, proof of income or employment, and a personal check. You may apply online or in-person at a payday loan lender’s store. If you get approved, you may receive the loan amount on the same day or within 24 hours.

Interesting Facts About Payday Loans in Burr Oak, Kansas

Did you know that:

  • The average annual percentage rate (APR) for payday loans in Kansas is 391%, which is significantly higher than the national average of 400%.
  • During the first half of 2020, payday lenders in Kansas made over 630,000 loans worth more than $233 million.
  • Approximately one in ten Kansans has used payday loans, making it one of the most popular types of short-term borrowing in the state.

Apply Now for a Payday Loan in Burr Oak, Kansas

If you need quick cash to tide you over until your next payday, TheGuaranteedLoans can help connect you with potential lenders offering payday loans in Burr Oak, Kansas. Our online application process is easy, and we can often get you connected the same day you apply.

We work with a network of reputable lenders, and we can match you with lenders who are likely to approve your application based on your financial history and eligibility criteria. Apply now to get started and get the cash you need quickly.

F.A.Q.

How much can I borrow with a payday loan in Burr Oak, Kansas?

The amount you can borrow with a payday loan in Burr Oak, Kansas is typically based on your income and your ability to repay the loan. The maximum amount you can borrow is $500.

How do I repay a payday loan in Burr Oak, Kansas?

Payday loans in Burr Oak, Kansas are typically repaid in one lump sum on your next payday, along with any interest and fees. Some lenders may allow you to repay the loan in multiple payments.