Payday Loans in Cedar Vale, Kansas

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

Company nameAddressZip codePhone number
Legacy Bank 223 S Main St, Pratt, KS 67124 +1 (620) 672 - 6421
Legacy Bank 388 Anderson Ave, Andale, KS 67001
D.E.L. Motors 1737 N Washington St 2549, Junction City, KS 66441 +1 (785) 238 - 5368
Stockgrower's State Bank 622 Main St, Ashland, KS 67831 +1 (620) 635 - 4032
Walmart Money Center 3503 10th St, Great Bend, KS 67530 +1 (620) 792 - 3632
LendNation 7637 Metcalf Ave, Overland Park, KS 66204 +1 (866) 436 - 7124
Midwest Fidelity Services, LLC 103 S Main St, Ottawa, KS 66067 +1 (844) 343 - 4589
Kansas State Bank 602 Ames St, Baldwin City, KS 66006 +1 (785) 594 - 7500
ResCare 2317 Washington St, Great Bend, KS 67530 +1 (620) 793 - 8501
Pathway Financial Solutions 120 S Santa Fe Ave, Salina, KS 67401 +1 (785) 820 - 8161

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedar Vale, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loan Without a Credit Check in Lawrence, KS, Same Day Loans in Leavenworth, KS, Bad Credit Loans in Leawood, KS, Guaranteed Loans in Lenexa, KS and Payday Loans in Manhattan, 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 Vale, KS.

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

67024

Are Payday Loans Legal In Cedar Vale, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Cedar Vale, 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 Vale, 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 Vale, KS payday loan calculator

Advise to read before applying

Payday Loans in Cedar Vale, Kansas

Are you a resident of Cedar Vale, Kansas, in need of quick and easy access to cash? If so, you may be considering a payday loan. Payday loans are a common financial solution for individuals who need access to fast cash. In this article, we will explore the specifics of payday loans in Cedar Vale, Kansas, including their legality, application process, and potential drawbacks.

Are Payday Loans Legal in Kansas?

Yes, payday loans are legal in Kansas. Kansas Statute 16a-2-404 governs payday loans in the state. The statute specifies the loan terms and fees that are allowed, ensuring that borrowers are not taken advantage of by lenders.

Kansas is one of the few states that actually regulates payday loans, which can help protect borrowers from being trapped in a cycle of debt. Kansas state law allows borrowers to take out one loan at a time and caps the fees and interest rates that lenders can charge.

The Payday Loan Application Process in Cedar Vale, Kansas

The application process for a payday loan in Cedar Vale, Kansas, is straightforward and quick. Unlike traditional loans, the application process does not require piles of paperwork or a comprehensive credit check. Here is an overview of how payday loans work:

  • 1. Find a lender: Start by looking for a payday lender. Fortunately, there are many options available online.
  • 2. Submit application: Once you find a lender, you can fill out an online application form or visit a physical location to apply in person.
  • 3. Provide documentation: You will need to provide personal information and documentation such as proof of income and ID.
  • 4. Receive funds: If you are approved for a loan, the funds will be deposited directly into your bank account within a few business days.
  • 5. Repay loan: You will need to repay the loan on the due date, usually your next payday. Some lenders may offer extensions or payment plans, but these will generally come with additional fees.

The Pros and Cons of Payday Loans

While payday loans can be a useful financial solution for individuals who need quick access to cash, it is important to understand the potential pros and cons before making a decision.

Pros:

  • 1. Quick access to cash
  • 2. Minimal paperwork
  • 3. No credit check required
  • 4. Regulated by Kansas state law

Cons:

  • 1. High fees and interest rates
  • 2. Can lead to a cycle of debt
  • 3. Can negatively impact credit score
  • 4. Limited loan amounts

Interesting Facts and Statistics

  • 1. In Kansas, the maximum term for a payday loan is 30 days
  • 2. Kansas state law caps the total loan amount at $500
  • 3. According to a Consumer Financial Protection Bureau (CFPB) study, the average payday loan borrower takes out 10 loans per year
  • 4. The CFPB also found that the median payday loan amount is $350
  • 5. Payday loans in Kansas carry an average interest rate of 391%

Apply Now

If you are considering a payday loan in Cedar Vale, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We offer a simple, online application process that takes just a few minutes to complete. As a connector service, we are not a direct lender, but we can help facilitate the connection between borrowers and lenders. Visit our website today to learn more and get started.

F.A.Q.

How do I repay a payday loan in Cedar Vale, Kansas?

Payday loans in Cedar Vale, Kansas are typically repaid in one lump sum on your next payday, along with any interest and fees. Some lenders may allow you to repay the loan in multiple payments.

Are payday loans in Cedar Vale, Kansas regulated?

Yes, payday loans in Cedar Vale, Kansas are regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to follow specific rules and regulations, including maximum interest rates and fees.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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