Payday Loans in Canton, Kansas

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

Company nameAddressZip codePhone number
Bank of McLouth 117 N Union St, McLouth, KS 66054 +1 (913) 796 - 6133
Kansas Teachers Credit Union 416 N Broadway, Pittsburg, KS 66762 +1 (620) 231 - 5719
Western Union 119 S 6th St, Clay Center, KS 67432 +1 (800) 325 - 6000
Kansas State University CU 2600 Anderson Ave, Manhattan, KS 66502 +1 (785) 776 - 5487
Prairie Bank of Kansas 200 S Main St, Stafford, KS 67578 +1 (620) 234 - 5226
Cashpoint Car Title Loans 1614 S Rock Rd, Wichita, KS 67207 +1 (316) 977 - 8881
First Option Bank Spring Hill 21101 W 223rd St, Spring Hill, KS 66083 +1 (913) 557 - 0800
Payday Loans 128 E Maple St, Columbus, KS 66725 +1 (620) 429 - 3293
Honeyman Auto Sales & Service 1122 Pony Express Hwy Suite 1, Marysville, KS 66508 +1 (785) 619 - 6500
Advance America 1712 S National Ave, Fort Scott, KS 66701 +1 (620) 223 - 4529

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Canton, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Online Loans in Salina, KS, Payday Loans in Shawnee, KS, Payday Loan Companies in Topeka, KS, Payday Loans in Wichita, KS, Payday Loan Without a Credit Check in Hutchinson, KS, No Credit Check Loans in Kansas City, KS and Payday Loans in Lawrence, 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 Canton, KS.

Beautiful sights of Canton, KS

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

67428

Are Payday Loans Legal In Canton, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Canton, 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 Canton, 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

Canton, KS payday loan calculator

Payday Loans in Canton, Kansas: Everything You Need to Know

Living paycheck to paycheck is not always easy. When unexpected expenses arise, it’s hard to make ends meet and pay the bills. That’s why many people turn to payday loans to help them bridge the gap. Payday loans are a type of short-term loan that can provide quick cash for unexpected expenses.

What Are Payday Loans?

Payday loans are loans designed to help people get cash quickly. They are typically small loans, ranging from $100 to $1,500, that are due on the borrower’s next payday. Payday loans are meant to provide short-term relief for a sudden expenses like car repairs, medical bills, or other unexpected expenses.

The requirements for getting a payday loan are generally simple, with lenders requiring a borrower to have a steady income, a checking account, and identification.

Are Payday Loans Legal in Kansas?

Yes, payday loans are legal in Kansas. The state has laws in place to regulate payday lending and protect borrowers. Lenders must obtain a license from the Kansas Office of the State Bank Commissioner to operate in the state.

Under Kansas law, loans cannot exceed $500, and the maximum loan term is 30 days. Lenders are also required to disclose fees and interest rates to borrowers upfront. The maximum interest rate on a payday loan in Kansas is 15% per $100 borrowed, which means a $100 loan could come with $15 in fees.

How Do Payday Loans Work?

Payday loans are designed to be quick and easy to obtain. Borrowers can apply online or in person, and the approval process usually takes only a few minutes. Once approved, the borrower receives the loan amount in cash or via direct deposit into their bank account.

The loan must be paid back on the borrower’s next payday, usually within two weeks. If the borrower cannot repay the loan on time, the lender may roll over the loan, which could lead to additional fees and interest.

What Are the Benefits of Payday Loans?

Payday loans can provide quick access to cash for unexpected expenses. They are also easy to obtain, with minimal requirements for approval.

Another benefit of payday loans is that they do not require collateral. Unlike other types of loans, borrowers do not need to put up their home or car as collateral to secure the loan.

What Are the Risks of Payday Loans?

Despite the benefits, payday loans can carry risks for borrowers. The high fees and interest rates associated with payday loans can quickly add up, making it difficult for borrowers to repay the loan on time.

Moreover, some payday lenders may engage in predatory practices, such as charging hidden fees or extending the loan for additional fees. Borrowers should be cautious when choosing a payday lender and make sure to read the terms and conditions carefully before accepting a loan.

Interesting Facts and Statistics About Payday Loans in Canton, Kansas:

  • In 2019, there were 352 licensed payday lenders in Kansas.
  • The average interest rate on a payday loan in Kansas is 391%.
  • Approximately 12 million Americans use payday loans each year.
  • Payday loans have been banned in 15 states and the District of Columbia.
  • The average payday loan borrower takes out eight loans per year.

Apply Now:

If you need quick cash for unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders. Simply complete our online application form, and we will work to find a lender that meets your needs. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

Apply now and get the cash you need today!

F.A.Q.

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

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

Can I be charged with a crime for not repaying a payday loan in Canton, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Canton, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.