Payday Loans in Cassoday, Kansas

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

Company nameAddressZip codePhone number
First National Bank 400 Main St, Quinter, KS 67752 +1 (785) 754 - 2000
Emprise Bank 104 E Grand Ave, Hillsboro, KS 67063 +1 (620) 947 - 3141
ACE Cash Express 1804 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 6663
Walmart Money Center 201 Centennial Dr, McPherson, KS 67460 +1 (620) 241 - 0941
Meade County Title Co., Inc. 121 E Carthage St, Meade, KS 67864 +1 (620) 873 - 2421
A Money Zone Inc. 314 E Chestnut St, Junction City, KS 66441 +1 (785) 223 - 5560
Southwind Bank 436 N Main St, Russell, KS 67665 +1 (785) 483 - 2300
Frontier Farm Credit 1808 Rd G, Emporia, KS 66801 +1 (620) 342 - 0138
LendNation 7637 Metcalf Ave, Overland Park, KS 66204 +1 (866) 436 - 7124
Cash Fast Inc 913 W Mary St, Garden City, KS 67846 +1 (620) 272 - 0277

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cassoday, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Topeka, KS, Emergency Loan in Wichita, KS, Online Loans in Hutchinson, KS, Payday Loan for Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Guaranteed Loans in Leawood, KS and Online Loans in Lenexa, 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 Cassoday, KS.

Beautiful sights of Cassoday, KS

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

66842

Are Payday Loans Legal In Cassoday, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Cassoday, 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 Cassoday, 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

Cassoday, KS payday loan calculator

Payday Loans in Cassoday, Kansas: An Overview

Emergencies can happen to anyone, and sometimes they require immediate financial assistance. Payday loans can tide you over until your next paycheck arrives. These loans are short-term and have a high interest rate, making them an expensive option. Still, they are a lifesaver for many who need money quickly.

Understanding Payday Loans in Cassoday, Kansas

If you live in Cassoday, Kansas, you may wonder if payday loans are legal in your area. The answer is yes. According to Kansas state law, payday loans are legal in Kansas, and Cassoday is no exception. However, there are some rules and regulations that lenders must follow.

First, lenders must be licensed by the state and adhere to state law. They cannot charge more than 15% interest on the loan. Additionally, borrowers cannot take out more than two loans at once. Loans cannot exceed $500, and the repayment period must be no longer than 30 days. These regulations are put in place to protect consumers from falling into a spiral of debt.

The Pros and Cons of Payday Loans

While payday loans can be a temporary fix to your financial emergency, it is essential to weigh their pros and cons before applying for one. Some of the benefits of payday loans include:

  • Fast approval process: With the right documentation, payday loans can be approved within a few hours.
  • No credit check: Unlike other loans, payday loans typically do not require a credit check. This benefit makes them an option for those with poor credit.
  • Flexibility: Payday loans are often used to cover unexpected expenses, such as medical bills or car repairs.

But there are also some drawbacks to consider:

  • High interest rates: Payday loans have significantly higher interest rates than other loans, making them expensive and challenging for some borrowers to repay.
  • Short repayment periods: You will need to pay back your payday loan quickly, often within a few weeks, which can be difficult for those living paycheck to paycheck.
  • Potential for debt cycle: Some borrowers may take out payday loans repeatedly, resulting in a cycle of debt that is challenging to break.

Interesting Facts and Statistics About Payday Loans in Cassoday, Kansas

It is always important to consider the statistics and facts surrounding payday loans before borrowing. Here are some relevant statistics about payday loans in Cassoday, Kansas:

  • According to the Kansas Office of the State Bank Commissioner, Kansas borrowers took out 685,000 payday loans in 2018, worth $267 million.
  • Approximately 11% of Kansans took out a payday loan in 2017.
  • The average loan amount in Kansas was $391 in 2018.

Apply Now

If you are facing a financial emergency and are considering a payday loan in Cassoday, Kansas, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders. Our application process is quick and straightforward, and you can receive a decision within minutes. Remember that payday loans are expensive, so be sure to weigh your options before taking out a loan.

Click on the link below to apply now:

Disclaimer: TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions and cannot guarantee loan approval or loan amount. We facilitate the connection between borrowers and potential lenders. Please ensure you read and understand the terms and conditions of any loan you agree to.

Conclusion

In conclusion, payday loans can be an option for those facing a financial emergency in Cassoday, Kansas. They are legal in the state, but there are rules and regulations that must be followed by lenders. Before applying for a payday loan, carefully consider the pros and cons. If you decide that a payday loan is the right option for you, apply with TheGuaranteedLoans to get connected with potential lenders.

F.A.Q.

Can I extend or renew my payday loan in Cassoday, Kansas?

Yes, you can extend or renew your payday loan in Cassoday, Kansas, but keep in mind that this will result in additional fees and interest charges. It is recommended to only consider this option if you are unable to repay the loan on time and have no other options available.

Can I cancel a payday loan in Cassoday, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Cassoday, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.