Payday Loans in Cummings, Kansas

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

Company nameAddressZip codePhone number
Bank of Denton 510 Main St, Denton, KS 66017 +1 (785) 359 - 6533
Central National Bank ATM 231 E Main St, Marion, KS 66861 +1 (888) 262 - 5456
Wilson State Bank 565 S Fossil St, Russell, KS 67665 +1 (785) 483 - 7300
Advance America 433 East Chestnut, Junction City, KS 66441 +1 (785) 238 - 1633
Community National Bank & Trust 127 N Main St, Newton, KS 67114 +1 (316) 283 - 0059
Commerce Bank - CLOSED 12671 Antioch Rd, Overland Park, KS 66213 +1 (816) 234 - 2250
Jim Zeller, Movement Mortgage 13651 S Mur-Len Rd, Olathe, KS 66062 +1 (913) 356 - 9456
Commercial Bank 501 N Pennsylvania Ave, Independence, KS 67301 +1 (620) 331 - 5110
Lyndon State Bank 1420401017019020, Topeka, KS 66604 +1 (785) 228 - 1133
Advance Till Payday 314 S Broadway Blvd B, Salina, KS 67401 +1 (785) 820 - 8356

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cummings, KS, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Shawnee, KS, 24-Hour Loan in Topeka, KS, Online Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loan Companies in Kansas City, KS, Payday Loans in Lawrence, KS, Emergency Loan in Leavenworth, KS and Payday Loans in Leawood, 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 Cummings, KS.

Beautiful sights of Cummings, KS

Are Payday Loans Legal In Cummings, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Cummings, 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 Cummings, 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

Cummings, KS payday loan calculator

Welcome to TheGuaranteedLoans, a financial expert, and an online business listing portal where you can find information on payday loans, title loans, and other loan-related topics. In this article, we will discuss payday loans in Cummings, Kansas.

What are Payday Loans?

A payday loan is a short-term loan generally provided by a lender with no credit check. The loan is typically due on the borrower’s next payday, and it is commonly used for unexpected expenses or bills. In Kansas, payday loans are legal, and regulations exist to protect the borrower’s rights.

How Do Payday Loans Work in Kansas?

In Kansas, payday loans must have a maximum loan term of 30 days, and lenders cannot offer loans greater than $500. Kansas law limits the interest rate on payday loans to a maximum APR of 391%. The lender can also charge a finance charge of up to 15% of the total loan amount. Additionally, Kansas law limits the number of loans a borrower can take out at once to two, and the lender cannot rollover loans.

What are the Requirements to Get a Payday Loan in Kansas?

To get a payday loan in Kansas, you must be at least 18 years of age, provide proof of income, and have an active checking account. The lender will also require proof of residency, such as a utility bill or lease agreement. Additionally, the lender will run a credit check to determine your eligibility.

What are The Benefits Of A Payday Loan?

Payday loans can provide fast cash to people who need it quickly, without requiring collateral or other traditional loan requirements. They are a convenient option for those with unexpected bills or expenses.

What are The Risks of A Payday Loan?

Payday loans may come with an expensive cost to the borrower, with high-interest rates and fees. These loans are also short-term loans, which means that the borrower must repay the loan quickly, often within 30 days. For some borrowers, this may be difficult, leading to loan defaults, fees, and negatively impacting their credit score.

Interesting facts about Payday loans in Cummings, Kansas

  • Kansas has one of the highest restrictions on payday loans, with a maximum APR of 391%.
  • The average payday loan amount in Kansas is $300.
  • Payday lenders in Kansas made more than $100 million loans in 2019.

Apply Now

Applying for a payday loan in Cummings, Kansas is easy. Visit TheGuaranteedLoans website and fill out the online application to get started. Remember that TheGuaranteedLoans is a connector service, not a direct lender, and will facilitate your connection with potential lenders. Make sure you understand the terms and conditions of your loan before accepting any offers.

Conclusion

Payday loans in Cummings, Kansas, can be a helpful resource for those who need fast cash, but they come with risks, such as high-interest rates and fees. Ensure you understand the terms and conditions of your loan before accepting any offers. Contact TheGuaranteedLoans for more information on payday loans in Cummings, Kansas, and other loan-related topics.

F.A.Q.

What are the risks of taking out a payday loan in Cummings, Kansas?

Payday loans in Cummings, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.

Can I be arrested for defaulting on a payday loan in Cummings, Kansas?

No, you cannot be arrested for defaulting on a payday loan in Cummings, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.