Payday Loans in Circleville, Kansas

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

Company nameAddressZip codePhone number
Peoples State Bank 102 W Barton Rd, Leonardville, KS 66449 +1 (785) 293 - 5221
Farmers State Bank 219 S Main St, Galva, KS 67443 +1 (620) 654 - 3331
Anderson County Abstract Co 109 E 4th Ave, Garnett, KS 66032 +1 (785) 448 - 2426
Sunflower Bank 2408 1st Ave, Dodge City, KS 67801 +1 (620) 225 - 0585
Landmark National Bank 1310 Baptiste Dr, Paola, KS 66071 +1 (913) 294 - 5324
Mortgages Unlimited Inc 303 N Kansas Ave, Liberal, KS 67901 +1 (620) 624 - 7617
Arvest Bank 6225 Lucille Ln, Shawnee, KS 66203 +1 (913) 953 - 4230
Advance America 12848 W 87th St, Lenexa, KS 66215 +1 (913) 495 - 9715
Aaa Loans 1213 Fleming St, Garden City, KS 67846
Loanmax Title Loans 800 W 23rd St, Lawrence, KS 66046 +1 (785) 838 - 4900

Payday Loan Companies in Nearby Cities

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

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

66416

Are Payday Loans Legal In Circleville, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Circleville, 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 Circleville, 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

Circleville, KS payday loan calculator

Advise to read before applying

Payday Loans in Circleville, Kansas: Everything You Need to Know

If you’re in a financial bind and need a quick source of cash, you may have considered a payday loan. This type of short-term loan is available to residents of Circleville, Kansas, and can provide an immediate source of funding when you need it most. In this article, we’ll dive into everything you need to know about payday loans in Circleville, Kansas, to help you make an informed decision.

What is a Payday Loan?

A payday loan is a type of short-term loan that is typically due to be repaid on your next payday. These loans are typically smaller in size and are designed to help you meet immediate financial needs, such as unexpected bills, car repairs, or medical expenses.

How Do Payday Loans Work in Circleville, Kansas?

Payday loans are legal in Kansas, including Circleville. To qualify for a payday loan, you typically need to have a regular source of income, such as a job or benefits, and a checking account. You’ll need to provide proof of these requirements, as well as your personal information, to the lender. The lender will then evaluate your application to determine your eligibility for a loan.

If you are approved for a payday loan, the lender will provide you with the funds you requested. You’ll be required to repay the loan, plus a fee, on your next payday. Some lenders may allow you to extend the loan repayment period for an additional fee.

What Are the Requirements to Qualify for a Payday Loan in Circleville, Kansas?

To qualify for a payday loan in Circleville, Kansas, you typically need to meet the following requirements:

  • Be at least 18 years of age
  • Have a regular source of income
  • Have a checking account
  • Provide personal information, including your name, address, and contact details

What Are the Benefits of a Payday Loan in Circleville, Kansas?

Payday loans in Circleville, Kansas, can provide a quick source of cash when you need it most. They have fewer restrictions than traditional loans and don’t require a credit check.

Additionally, payday loans can be processed quickly, with many lenders providing same-day funding. This means you can get the cash you need right away to cover unexpected expenses or bills.

What Are the Risks of a Payday Loan in Circleville, Kansas?

While payday loans can be a useful financial tool, they also come with some risks. One of the most significant risks of payday loans is their high-interest rates and fees. Because payday loans are a short-term loan, the interest rates and fees can quickly add up and become unaffordable.

Additionally, if you’re unable to repay the loan on your next payday, you may be required to pay additional fees to extend the loan. This can create a cycle of debt that’s challenging to break free from.

Interesting Facts and Statistics about Payday Loans in Circleville, Kansas

  • In 2018, Kansas lawmakers introduced legislation that would limit the number of payday loans a borrower could take out in a year to five.
  • The average interest rate on a payday loan in Kansas is 391%.
  • In 2018, Kansas residents took out over 685,000 payday loans, with an average loan amount of $327.
  • Kansas law requires payday lenders to be licensed by the state and follow specific laws and regulations to operate.

Apply Now

If you’re in need of a payday loan in Circleville, Kansas, TheGuaranteedLoans can help. Our online application process is quick and easy, and we’ll connect you with potential lenders who can provide the funds you need. Remember, we are a connector service, not a direct lender, and we cannot guarantee loan approval or the terms of your loan.

Get started today by visiting our website and filling out our online application.

Conclusion

Payday loans can be a useful financial tool for those in need of a quick source of cash. However, they also come with some risks and can create a cycle of debt that’s hard to break free from. If you’re considering taking out a payday loan in Circleville, Kansas, make sure you understand the terms and risks involved and only borrow what you need. And, as always, when in doubt, consult with a financial advisor or debt counselor to determine the best course of action for your financial situation.

F.A.Q.

Are there any protections for military members in Circleville, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Circleville, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Are there any resources available to help me avoid taking out a payday loan in Circleville, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Circleville, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.

Look for Short-Term Loans in Other Cities:

Hutchinson Kansas City Lawrence Leavenworth Leawood Lenexa Manhattan Olathe Overland Park Salina Shawnee Topeka Wichita
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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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