Payday Loans in Catharine, Kansas

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

Company nameAddressZip codePhone number
Waddell & Reed, Inc. - Financial Advisors 114 Center Ave, Oakley, KS 67748 +1 (785) 672 - 3143
Catholics United Credit Union 612 S Maple St, South Hutchinson, KS 67505 +1 (620) 665 - 0777
Exchange Bank & Trust 121 S Main St, Troy, KS 66087 +1 (785) 985 - 3511
State Bank of Spring Hill 201 S Webster St, Spring Hill, KS 66083 +1 (913) 592 - 3326
Valley Auto Sales 102 S 20th St 1765, Fredonia, KS 66736 +1 (620) 378 - 4470
Farmers Bank & Trust 1017 Harrison St, Great Bend, KS 67530 +1 (620) 792 - 2411
Life Loans 6709 W 119th St, Overland Park, KS 66209 +1 (866) 829 - 4551
CBCS Collections 105 W 5th Ave, Emporia, KS 66801 +1 (620) 343 - 6220
KANZA Bank 102 E Main St, Anthony, KS 67003 +1 (620) 842 - 5164
American Payday Loans-Cash 909 W 11th St C, Coffeyville, KS 67337 +1 (620) 251 - 9900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Catharine, KS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, 24-Hour Loan in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loans in Wichita, KS and Payday Loan for Hutchinson, 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 Catharine, KS.

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

67627

Are Payday Loans Legal In Catharine, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Catharine, 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 Catharine, 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

Catharine, KS payday loan calculator

Understanding Payday Loans in Catharine, Kansas

Payday loans are a common source of short-term loans for many individuals in the United States. In Catharine, Kansas, payday loans are legal, and many people are taking advantage of this option.

However, it is essential to understand the implications of taking out a payday loan and how it can impact your financial situation. This article will provide you with all the information you need about payday loans in Catharine, Kansas.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. The loans are usually for small amounts, ranging from a few hundred dollars to a few thousand dollars.

The loans are meant to help you cover unexpected expenses, such as car repairs, medical bills, or other emergencies. The idea is that you borrow the money and pay it back with your next paycheck. However, payday loans come with high interest rates and fees.

The Pros and Cons of Payday Loans

Before deciding to take out a payday loan, it is essential to consider the pros and cons.

Pros:

  • Quick and convenient – You can typically get the money you need within 24 hours of applying for a loan.
  • No credit check – Payday lenders typically do not check your credit score, so you can still get a loan even if you have bad credit.
  • Easy to obtain – You only need to provide basic information to apply for a payday loan.

Cons:

  • High interest rates – Payday loans come with extremely high interest rates that can make it difficult to pay back the loan.
  • Short repayment terms – Payday loans typically need to be repaid in full with your next paycheck, which can be challenging if you do not have enough money.
  • Fees – Payday loans come with fees that can add up quickly.

Payday Loans in Catharine, Kansas

Payday loans are legal in Catharine, Kansas, under the Kansas State laws. However, there are certain regulations in place to protect the consumers.

The maximum loan amount for payday loans in Kansas is $500. The loan term must be between 7 and 30 days, and lenders are not allowed to charge more than 15% interest on the loan.

Additionally, Kansas State laws require lenders to disclose all fees and charges associated with the loan, including annual percentage rate (APR).

Interesting facts and statistics about Payday loans in Catharine, Kansas

  • In Kansas, about 60% of payday loan borrowers earn less than $30,000 a year.
  • The average loan amount in Kansas is $302, and the average APR is around 391%.
  • In 2019, Kansas payday lenders made 685,000 loans totaling $267 million, with an average loan term of 17.5 days.

Apply Now

If you need a payday loan in Catharine, Kansas, TheGuaranteedLoans can help you find a lender. We are a connector service, not a direct lender. We will facilitate your connection with potential lenders and provide you with the best options available.

Our online application process is quick and easy. You only need to provide basic information about yourself, your employment, and your income. Once you submit your application, our team will connect you with potential lenders who can provide you with the cash you need.

Apply now to get started.

Conclusion

Payday loans can be a useful financial tool if used responsibly. However, it is essential to understand the risks associated with these loans and to ensure that you can pay back the loan on time. If you need a payday loan in Catharine, Kansas, TheGuaranteedLoans can help you find a lender that meets your needs.

F.A.Q.

Are there any restrictions on how payday loan lenders in Catharine, Kansas can advertise their services?

Yes, payday loan lenders in Catharine, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.

Can payday loan lenders in Catharine, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in Catharine, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.