Payday Loans in Dearing, Kansas

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

Company nameAddressZip codePhone number
Wells Fargo Advisors 201 S Broadway St, Pittsburg, KS 66762 +1 (620) 232 - 3120
Money Zone 1819 S Broadway Blvd, Salina, KS 67401 +1 (785) 404 - 2039
CheckSmart 1113 E Santa Fe St, Olathe, KS 66061 +1 (913) 782 - 3400
Check `n Go 2540 Iowa St l, Lawrence, KS 66046 +1 (785) 832 - 1639
First National Bank in Cimarron 121 N Main St, Cimarron, KS 67835 +1 (620) 855 - 3416
Check Into Cash 11044 Quivira Rd, Overland Park, KS 66210 +1 (913) 327 - 7908
U.S. Bank Branch 443 Main St, Rossville, KS 66533 +1 (785) 584 - 5000
Arvest Bank 11150 S Pflumm Rd, Lenexa, KS 66215 +1 (913) 953 - 4390
Emprise Bank 201 Ross Ave St, Clearwater, KS 67026 +1 (620) 584 - 2201
Check `n Go 4846 State Ave, Kansas City, KS 66102 +1 (913) 596 - 1879

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dearing, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loans in Shawnee, KS, Online Loans in Topeka, KS, Payday Loan Without a Credit Check in Wichita, KS, Guaranteed Loans in Hutchinson, KS, Payday Loans in Kansas City, KS and Payday Loans in Lawrence, 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 Dearing, KS.

Beautiful sights of Dearing, KS

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

67340

Are Payday Loans Legal In Dearing, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Dearing, 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 Dearing, 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

Dearing, KS payday loan calculator

Payday Loans in Dearing, Kansas: An Overview

In the state of Kansas, payday loans are a legal and regulated form of borrowing. For those living in Dearing, Kansas, these short-term loans may be an option for those looking for quick access to cash to cover unexpected expenses or emergencies.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. These loans are designed to be a quick and easy source of cash for those who need it most. Typically, payday loans range from $100 to $500, and the borrower is expected to repay the loan, plus interest and fees.

How Payday Loans Work in Dearing, Kansas

In Dearing, Kansas, payday loans are regulated by state law to protect borrowers. The maximum amount that a borrower can take out is $500, and the loan term is limited to 30 days. Borrowers are not permitted to have more than two outstanding payday loans at any given time, and lenders may not charge more than 15% interest on the loan amount.

To qualify for a payday loan in Dearing, Kansas, borrowers must have a valid government-issued ID, proof of income, and an active checking account. The application process is typically quick and easy, and borrowers can often receive their funds on the same day they apply.

The Pros and Cons of Payday Loans

  • Pros: Payday loans can provide quick access to cash for those who need it most. They are easy to apply for and can be a lifesaver in an emergency.
  • Cons: Payday loans typically come with high-interest rates and fees, which can make them difficult for borrowers to repay. They can also lead to a cycle of debt if borrowers are unable to repay the loan on time.

Interesting Facts and Statistics About Payday Loans in Dearing, Kansas

  • According to the Center for Responsible Lending, the average payday loan borrower in Kansas takes out eight loans per year, with an average loan amount of $350.
  • In 2019, payday lenders in Kansas charged an average interest rate of 391% on their loans.
  • As of 2021, there were over 300 payday lending storefronts in Kansas.

Apply Now with TheGuaranteedLoans

If you find yourself in need of a payday loan in Dearing, Kansas, TheGuaranteedLoans is here to help. As a trusted connector service, we match borrowers with potential lenders who can provide quick access to cash. Our application process is simple and easy, and we are committed to helping our customers find the best loan option for their unique needs.

It’s important to keep in mind that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. Instead, we connect borrowers with potential lenders who can provide the cash they need. If you’re in need of a payday loan, apply now with TheGuaranteedLoans to get started.

F.A.Q.

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

Yes, if you default on your payday loan in Dearing, 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 Dearing, Kansas if I default on my loan?

Yes, if you default on your payday loan in Dearing, 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.