Payday Loans in Denison, Kansas

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

Company nameAddressZip codePhone number
Envista Credit Union 1803 N Lorraine St, Hutchinson, KS 67502 +1 (620) 662 - 3771
Astra Bank 201 S Main St 2214, Plainville, KS 67663 +1 (785) 434 - 2809
PNC Mortgage 10851 Mastin St 300, Overland Park, KS 66210 +1 (913) 663 - 6320
Raymond James Financial Services 1920 Main St, Great Bend, KS 67530 +1 (620) 603 - 9556
Marquette Farmers State Bank 205 N Washington St, Marquette, KS 67464 +1 (785) 546 - 2292
Commerce Bank 456 N Main St, Wichita, KS 67202 +1 (316) 261 - 3600
Mariner Wealth Advisors 209 E 29th St Suite A, Pittsburg, KS 66762 +1 (620) 240 - 1800
Bluestem Community CU 1407 W Central Ave, El Dorado, KS 67042 +1 (316) 320 - 1777
Bank of the West 100 W 12th St, Newton, KS 67114 +1 (316) 283 - 7310
Synchrony Financial 9510 W 67th St, Shawnee, KS 66203 +1 (866) 419 - 4096

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Denison, KS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Online Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS and Payday Loans in Overland Park, 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 Denison, KS.

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

66419

Are Payday Loans Legal In Denison, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Denison, 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 Denison, 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

Denison, KS payday loan calculator

Everything You Need to Know About Payday Loans in Denison, Kansas

Payday loans are a popular type of short-term loan that helps people get quick cash when they need it. These loans are typically used to cover unexpected expenses, such as medical bills, car repairs, or other emergency costs. In this article, we’ll explore payday loans in Denison, Kansas and provide you with everything you need to know to make an informed decision.

What are Payday Loans?

Payday loans are small, short-term loans that typically have a repayment period of two to four weeks. In Kansas, payday loans are legal, and there are many lenders in Denison and surrounding areas that offer this type of loan. The amount of money you can borrow with a payday loan varies based on the lender and your individual financial circumstances.

Payday loans are designed to help people with urgent financial needs, and they are usually not used for long-term financial solutions. Because these loans are typically paid back within a short period of time, they often come with high interest rates and fees.

How Do Payday Loans Work?

When you apply for a payday loan, you will typically be required to provide proof of income, such as a pay stub, and a valid ID. Lenders may also require you to provide a post-dated check or give them access to your bank account to withdraw the loan amount and any fees on the due date.

The amount you can borrow with a payday loan is typically based on your income and the lender’s requirements. Once you are approved for a loan, the lender will give you the money, and you will be required to repay the loan on your next payday or within the agreed-upon timeframe.

Pros and Cons of Payday Loans

Before you decide to take out a payday loan, it’s essential to consider the pros and cons. Here’s what you need to know:

Pros

  • Payday loans are easy to access, and the approval process is usually fast and straightforward.
  • You can use the money for any purpose you need, such as paying for unexpected expenses or covering bills.
  • With payday loans, you don’t need good credit, and there are usually no credit checks.

Cons

  • Payday loans often come with high-interest rates and fees, which can make them expensive to repay.
  • If you’re unable to repay the loan on time, you may be charged additional fees, which can lead to a cycle of debt.
  • Payday loans aren’t a long-term financial solution and should only be used for short-term emergencies.

Payday Loans in Denison, Kansas: Interesting Facts and Statistics

  • In Kansas, the maximum amount you can borrow with a payday loan is $500.
  • The interest rate for payday loans in Kansas is capped at 15% for the first $250, with an additional fee of $15 for each $100 borrowed thereafter.
  • According to a report by Pew Charitable Trusts, around 12 million Americans use payday loans each year, with the average borrower taking out eight loans of $375 each per year.
  • In Kansas, the average payday loan borrower takes out seven loans per year, with an average loan amount of $363.

Apply Now

If you need a payday loan in Denison, Kansas, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders in their area. To get started, simply fill out an online application on our website. Please note that we are not a direct lender and will not provide you with funds directly. Instead, we will facilitate your connection with potential lenders who may be able to provide you with a payday loan.

Conclusion

Payday loans in Denison, Kansas, can be a helpful resource for those who need cash quickly. However, it’s essential to understand the pros and cons of these loans and to ensure you can repay them on time to avoid high fees and interest rates. If you need a payday loan, be sure to do your research and work with a reliable lender.

F.A.Q.

Can I cancel a payday loan in Denison, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Denison, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.

Are there any restrictions on how payday loan lenders in Denison, Kansas can advertise their services?

Yes, payday loan lenders in Denison, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.