Payday Loans in Delia, Kansas

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

Company nameAddressZip codePhone number
Merrill Lynch Wealth Management 3401 College Blvd, Leawood, KS 66211 +1 (913) 906 - 5200
Jackson Hewitt Tax Service 2202 Pike Rd, Winfield, KS 67156 +1 (800) 234 - 1040
Check `n Go 1720 South Main Street, Winfield, KS 67156 +1 (620) 221 - 4195
Exchange Bank & Trust 121 S Main St, Troy, KS 66087 +1 (785) 985 - 3511
Labette Bank 424 Commercial St, Oswego, KS 67356 +1 (620) 795 - 2121
Sunflower Credit Union 1610 N Summit St, Arkansas City, KS 67005 +1 (620) 442 - 5811
Quik Pay Kansas 314 S Broadway Blvd # B, Salina, KS 67401 +1 (785) 820 - 8356
ACE Cash Express 1105 W Pawnee St, Wichita, KS 67213 +1 (316) 263 - 6223
Speedy Cash 1050 W Pawnee St, Wichita, KS 67213 +1 (316) 219 - 5333
Bank of Osage City 913 Market St, Osage City, KS 66523 +1 (785) 528 - 5040

Payday Loan Companies in Nearby Cities

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

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

66418

Are Payday Loans Legal In Delia, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Delia, 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 Delia, 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

Delia, KS payday loan calculator

Payday Loans in Delia, Kansas

Life is full of surprises, and sometimes we find ourselves in need of extra cash to cover unexpected expenses. Fortunately, payday loans provide quick and easy solutions to financial emergencies. In Delia, Kansas, payday loans are legal and can be a useful resource for those in need of immediate funds. In this article, we will discuss everything you need to know about payday loans in Delia.

The Basics of Payday Loans

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to provide quick cash to those who need it most and are usually requested for small amounts of money. Unlike traditional loans, payday loans have high-interest rates and fees, making them an expensive form of credit. Since payday loans are meant to be repaid quickly, the lender will usually require a postdated check or an authorization to withdraw funds from the borrower’s bank account on their next payday.

What Are the Requirements for a Payday Loan in Delia, Kansas?

If you are interested in applying for a payday loan in Delia, Kansas, there are a few requirements you must meet:

  • You must be at least 18 years old
  • You must have a valid government-issued ID
  • You must have proof of income
  • You must have an open and active checking account

If you meet these requirements, you can apply for a payday loan from a lender in Delia, Kansas. However, it’s important to remember that payday loans should only be used as a last resort, as they are an expensive form of credit.

The Pros and Cons of Payday Loans

While payday loans can be a useful resource for those in need of quick cash, they also have their downsides. Here are some pros and cons of payday loans:

Pros:

  • Easy to apply for
  • Quick approval process
  • No credit check required
  • Can be used for any purpose

Cons:

  • High-interest rates and fees
  • Can lead to a cycle of debt if not paid back on time
  • Can damage your credit score
  • Some lenders have predatory practices

Interesting Facts and Statistics About Payday Loans in Delia, Kansas

According to a study conducted by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans per year, with each loan averaging $375. In Kansas, the maximum loan amount for payday loans is $500, and the maximum annual percentage rate (APR) is 391%. The average APR for a payday loan in Kansas is 391%. The Kansas Office of the State Bank Commissioner reported that Kansas borrowers paid $27.9 million in fees on payday loans in 2020.

Apply Now

If you are in need of a payday loan in Delia, Kansas, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is quick and easy, and our network of lenders offers competitive rates and terms. Remember that payday loans are a form of credit and should only be used as a last resort. If you have any questions about our services or the payday loan process, feel free to contact us.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions, and we do not guarantee loan approval or funding. Instead, we facilitate connections between borrowers and potential lenders.

Conclusion

Payday loans can be a useful resource for those in need of quick cash, but they also have their downsides. If you are considering a payday loan in Delia, Kansas, make sure you understand the terms and conditions of the loan and have a plan to pay it back on time. Remember that payday loans should only be used as a last resort and that there are other options available if you need help managing your finances.

F.A.Q.

Can I be charged with a crime for not repaying a payday loan in Delia, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Delia, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

Can I be arrested for not repaying a payday loan in Delia, Kansas?

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