Payday Loans in Cedar Point, Kansas

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

Company nameAddressZip codePhone number
Mastercard 17501 W 98th St, Lenexa, KS 66219 +1 (913) 890 - 9034
Lawrence Pawn & Jewelry 2447 W 6th St, Lawrence, KS 66049 +1 (785) 843 - 4344
Mr Payroll 208 W Pancake Blvd, Liberal, KS 67901 +1 (620) 624 - 5567
UMB Bank with drive-thru services 324 S National Ave, Fort Scott, KS 66701 +1 (620) 223 - 1255
Barri Agent 328 Commercial St, Emporia, KS 66801
LendNation 1703 W 6th Ave, Emporia, KS 66801 +1 (620) 343 - 2222
First Bank 128 S Broadway Ave, Sterling, KS 67579 +1 (620) 278 - 2161
AAMCO Transmissions & Total Car Care 2490 S Meridian Ave, Wichita, KS 67217 +1 (316) 553 - 5271
Tampa State Bank 1100 E Main St, Marion, KS 66861 +1 (620) 382 - 8811
Express Check Cashing 1210 E Wyatt Earp Blvd, Dodge City, KS 67801 +1 (620) 371 - 6214

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Cedar Point, KS

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

66843

Are Payday Loans Legal In Cedar Point, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Cedar Point, 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 Cedar Point, 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

Cedar Point, KS payday loan calculator

Payday Loans in Cedar Point, Kansas: A Comprehensive Guide

Payday loans can provide a quick fix for those who need money urgently. These short-term loans are designed to be repaid on the borrower’s next payday, making them a popular option for those who need money to cover an unexpected expense or emergency.

In this article, we’ll take a closer look at payday loans in Cedar Point, Kansas, and answer some common questions related to these loans.

Are Payday Loans Legal in Cedar Point, Kansas?

Yes, payday loans are legal in Cedar Point, Kansas. According to the Kansas Statutes Annotated section 16a-2-404, payday lending is legal in the state.

However, it is important to note that there are regulations in place to protect consumers from predatory lending practices. Lenders must be licensed and follow certain rules and restrictions, such as capping the maximum loan amount and interest rates.

How Do Payday Loans Work?

Payday loans are designed to be a short-term solution for financial emergencies. Typically, these loans are due on the borrower’s next payday, which means they usually have a term of two weeks to one month.

To take out a payday loan in Cedar Point, Kansas, borrowers must typically provide proof of income, such as a recent pay stub. They also need to provide a government-issued ID and a checking account number. The lender will use this information to determine if the borrower qualifies for a loan and how much they can borrow.

Once approved, the borrower will receive the loan amount, minus any fees or interest charges. The lender will typically require the borrower to post-date a check for the full loan amount plus fees, which will be cashed on the borrower’s next payday.

What Are the Fees and Interest Rates for Payday Loans?

The fees and interest rates for payday loans in Cedar Point, Kansas, are regulated by the state. Lenders are not allowed to charge more than 15% on loans less than $250, and 10% on loans greater than $250. For example, a borrower who takes out a $100 payday loan might be charged $15 in fees.

It is important to note that these interest rates and fees can add up quickly, especially if the borrower is unable to repay the loan on their next payday. If this happens, the lender may offer to roll over the loan, which means extending the due date and charging additional fees and interest.

What Are the Alternatives to Payday Loans?

While payday loans can be a quick fix for financial emergencies, they are not the best option for everyone. The interest rates and fees can be high, and the repayment terms are short, making it easy to fall into a cycle of debt.

There are several alternatives to payday loans that borrowers may want to consider, including:

  • Credit cards: If the borrower has a credit card, they may be able to use it to cover the expense or payment due.
  • Personal loans: Banks and credit unions offer personal loans that can have lower interest rates and more flexible repayment terms than payday loans.
  • Emergency assistance programs: Some community organizations and nonprofits offer emergency financial assistance programs to help with expenses like rent, utilities, and groceries.

Interesting Facts and Statistics about Payday Loans in Cedar Point, Kansas

  • Kansas is one of 27 states that allows payday lending.
  • The average payday loan in Kansas is $311, with an average interest rate of 391%.
  • In 2019, Kansas payday lenders made over 444,000 loans, totaling over $143 million in loan volume.
  • Many borrowers use payday loans to cover everyday expenses like rent, utilities, and groceries, rather than emergencies.

Apply Now

If you are in need of a payday loan in Cedar Point, Kansas, TheGuaranteedLoans is here to help. As a connector service, we can connect you with potential lenders who may be able to offer you a loan.

Simply fill out our online application, providing the necessary information, and we will do our best to facilitate your connection with lenders who may be able to help.

It is important to note that TheGuaranteedLoans is not a direct lender, and we do not make lending decisions. We are a connector service, which means we connect borrowers with potential lenders.

Don’t let a financial emergency stress you out. Apply for a payday loan today and get the help you need to cover your expenses.

F.A.Q.

How do I qualify for a payday loan in Cedar Point, Kansas?

To qualify for a payday loan in Cedar Point, Kansas, you must be at least 18 years old, have a steady source of income, and have a valid checking account.

How much can I borrow with a payday loan in Cedar Point, Kansas?

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