Payday Loans in Chautauqua, Kansas

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

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 9550 Metcalf Ave, Overland Park, KS 66212 +1 (816) 979 - 8211
Lawrence Pawn & Jewelry 2447 W 6th St, Lawrence, KS 66049 +1 (785) 843 - 4344
Advance Till Payday 314 S Broadway Blvd B, Salina, KS 67401 +1 (785) 820 - 8356
Advance America 2222 Main St, Parsons, KS 67357 +1 (620) 421 - 0605
Barri Agent 1103 Vine St, Hays, KS 67601
KANZA Bank 13605 Maple St 101, Wichita, KS 67235 +1 (316) 773 - 7007
INTRUST Bank 112 7th St, Augusta, KS 67010 +1 (316) 383 - 3340
Academy Bank 10000 College Blvd, Overland Park, KS 66210 +1 (913) 327 - 1700
Landmark National Bank 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
U.S. Bank ATM - Northwest 3500 W 6th St, Lawrence, KS 66049 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chautauqua, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hutchinson, KS, Payday Loan for Kansas City, KS, Payday Loans in Lawrence, KS, 24-Hour Loan in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loan Companies in Lenexa, KS, Payday Loans in Manhattan, KS and Online Loans in Olathe, 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 Chautauqua, KS.

Beautiful sights of Chautauqua, KS

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

67334

Are Payday Loans Legal In Chautauqua, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Chautauqua, 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 Chautauqua, 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

Chautauqua, KS payday loan calculator

Payday Loans in Chautauqua, Kansas: What You Need to Know

As various emergencies can arise at any moment, you might need quick financial assistance to settle unexpected expenses such as medical bills, car repairs, and more. One option you might consider is getting a payday loan. Payday loans have become a popular choice for people facing a cash crunch, but what exactly are they? This article aims to shed some light on payday loans in Chautauqua, Kansas, and what you need to know before choosing this option.

What is a payday loan?

A payday loan is a short-term loan given to individuals who are in urgent need of money and cannot wait until their next payday. The loan amount is typically small and repayable on the next payday or within a few weeks. The loan amount usually ranges between $100 and $1,000.

How payday loans work in Chautauqua, Kansas?

In Kansas, payday loans are legal. Lenders can charge interest on the loan amount, which gets added to the loan principal amount. The interest rate varies, but it usually ranges from 391% to 521% for a loan of $100. State law sets a cap on the total amount that can be borrowed. A borrower cannot have more than two loans at any given time, and the total loan amount cannot exceed $500.

When a borrower applies for a payday loan, the lender will examine their income and if they have any outstanding loans. If the application is approved, the cash will be given on the same day or next business day. The borrower must repay the loan on their next payday or within 14 to 30 days, depending on the agreed terms.

Benefits of Payday Loans

  • Quick and easy to secure.
  • No collateral required.
  • Borrowers with bad credit can still get approved.
  • Flexibility in terms of repayment.

Drawbacks of Payday Loans

  • Very high-interest rates, often leading to a debt trap.
  • Short repayment term of 14-30 days can be challenging for some borrowers.
  • Payday loans can induce a cycle of dependency on loans.

Interesting Facts and Statistics about Payday Loans in Chautauqua, Kansas

According to the Kansas Office of the State Bank Commissioner, in 2020, Kansas payday lenders made $267 million in payday loans, collecting $40 million in fees from borrowers. Among those who took out a payday loan, 84% of borrowers received multiple loans in 2020. Almost half of Kansans who took out payday loans had 12 or more loans during the prior calendar year.

Apply Now for Payday Loans in Chautauqua, Kansas

If you are in need of quick financial assistance, you can apply now for a payday loan in Chautauqua, Kansas, through TheGuaranteedLoans. As a connector service, we will work with our panel of verified lenders, who will contact you with the best possible option that suits your needs. With easy to fill online application, you can apply for a payday loan anywhere, anytime. However, before applying for one, make sure that you understand the terms and conditions of the loan and can repay the loans on time.

Don’t wait, apply now and get the financial assistance you need today!

F.A.Q.

Can a payday lender take legal action against me in Chautauqua, Kansas if I default on my loan?

Yes, if you default on your payday loan in Chautauqua, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.

Can a payday lender garnish my wages in Chautauqua, Kansas if I default on my loan?

Yes, if you default on your payday loan in Chautauqua, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.