Payday Loans in Cambridge, Kansas

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

Company nameAddressZip codePhone number
Emprise Bank 200 N Main St, El Dorado, KS 67042 +1 (316) 321 - 3510
Central National Bank ATM 512 E D St, Hillsboro, KS 67063 +1 (888) 262 - 5456
Union State Bank 527 N Main St, Newton, KS 67114 +1 (316) 283 - 1700
Kansas Teachers Community Cu 119 S 8th St, Independence, KS 67301 +1 (620) 331 - 6934
Navy Federal Credit Union 501 N 3rd Pl A, Manhattan, KS 66502 +1 (888) 842 - 6328
Frank Hampton - Raymond James 114 W Walnut St, Salina, KS 67401 +1 (785) 404 - 6624
United Equipment Finance Services 412 N 7th St, Fredonia, KS 66736 +1 (620) 378 - 3300
Commerce Bank 1111 Fleming St, Garden City, KS 67846 +1 (620) 276 - 5600
Central National Bank - Inside Walmart 2900 S 9th St, Salina, KS 67401 +1 (785) 822 - 3126
Landmark National Bank 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cambridge, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lenexa, KS, Quick Loan in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loan for Salina, KS, Bad Credit Loans in Shawnee, KS, Payday Loans in Topeka, KS and No Credit Check 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 Cambridge, KS.

Beautiful sights of Cambridge, KS

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

67023

Are Payday Loans Legal In Cambridge, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Cambridge, 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 Cambridge, 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

Cambridge, KS payday loan calculator

Payday Loans: Funding Options in Cambridge, Kansas

If you need money to tide you over until your next paycheck, a payday loan may be an option. While payday loans can provide fast cash, they come with high fees and should only be used as a last resort. Fortunately, Cambridge, Kansas residents have several payday loan options available.

How do Payday Loans Work?

In Cambridge, Kansas, payday loans are small-dollar, short-term loans with high-interest rates. They are designed to help people bridge the gap between paychecks. Payday loans are typically due in full on the borrower’s next payday and can be used for any purpose.

To get a payday loan in Cambridge, Kansas, you must have a steady income, an open checking account, and a valid government-issued ID. Most lenders also require borrowers to be at least 18 years old.

What are Payday Loan Fees?

Payday loans are notorious for their high fees. In Cambridge, Kansas, payday lenders can charge up to 15% of the loan amount as a finance charge. For example, if you borrow $100, you could be charged up to $15 in fees. If you are unable to repay the loan on time, additional fees and interest can pile up quickly.

It’s essential to read the terms and conditions carefully before accepting a payday loan. Make sure you understand all the fees and costs associated with the loan.

Payday Loan Options in Cambridge, Kansas

Cambridge, Kansas residents have several payday loan options to choose from, including:

  • Advance America – offers online and in-store payday loans up to $500.
  • Check Into Cash – offers online and in-store payday loans up to $500.
  • Speedy Cash – offers online and in-store payday loans up to $2,000.

Benefits of Payday Loans

Payday loans can have some benefits for people who need cash quickly. They can:

  • Provide fast cash when you need it.
  • Help you avoid costly late fees and overdraft charges.
  • Be used for any purpose.

Drawbacks of Payday Loans

While payday loans can be helpful in some situations, they come with some significant drawbacks, including:

  • High fees and interest rates.
  • Can trap borrowers in a cycle of debt.
  • May be difficult to repay on time.
  • Can damage your credit score.

Interesting Facts and Statistics

  • The average payday loan amount in Kansas is $300.
  • The maximum loan term for payday loans in Kansas is 30 days.
  • In 2019, Kansas residents took out 685,000 payday loans, totaling over $267 million.
  • Kansas has some of the highest payday loan fees in the country, with interest rates of up to 391%.

Apply Now

If you need fast cash, TheGuaranteedLoans can help you find a payday loan lender in Cambridge, Kansas. We are a connection service, not a direct lender, and we can help you get connected with a potential lender quickly and easily. Our online application is simple and secure. To get started, click the apply now button below.

Remember, while payday loans can be helpful in some situations, they come with high fees and should only be used as a last resort. Make sure you understand the terms and conditions carefully before accepting a payday loan.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Cambridge, Kansas?

No, taking out a payday loan in Cambridge, Kansas is not a crime. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

Can a payday lender take legal action against me in Cambridge, Kansas if I default on my loan?

Yes, if you default on your payday loan in Cambridge, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.