Payday Loans in Dennis, Kansas

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

Company nameAddressZip codePhone number
US Civil Services Credit Union 702 N Locust St, Pittsburg, KS 66762 +1 (620) 231 - 4160
Money Shack Payday Loans 5530 W Central Ave, Wichita, KS 67212 +1 (316) 681 - 0046
Wells Fargo Advisors 201 S Broadway St, Pittsburg, KS 66762 +1 (620) 232 - 3120
BMO Harris Bank 11301 Nall Ave, Leawood, KS 66211 +1 (913) 663 - 3228
Citizens Bank NA 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
Community Bank & Trust 6972 SE Nighthawk Ln, Riverton, KS 66770 +1 (620) 848 - 3200
Bank of the West 1200 Kansas Ave, Great Bend, KS 67530 +1 (620) 792 - 1771
Woodson County Title 203 S State St, Yates Center, KS 66783 +1 (620) 625 - 2555
Commerce Bank - CLOSED 12671 Antioch Rd, Overland Park, KS 66213 +1 (816) 234 - 2250
Equity Bank 3825 SW 29th St, Topeka, KS 66614 +1 (785) 272 - 5257

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dennis, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Salina, KS, Same Day Loans in Shawnee, KS, Same Day Loans in Topeka, KS, Payday Loan Companies in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans 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 Dennis, KS.

Are Payday Loans Legal In Dennis, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Dennis, 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 Dennis, 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

Dennis, KS payday loan calculator

Payday Loans in Dennis, Kansas – Your Ultimate Guide

Living paycheck to paycheck is a reality for many people in Dennis, Kansas. When unexpected expenses arise, it can be difficult to make ends meet. This is where payday loans may come in handy. In this article, we will explore what payday loans are, how they work, their pros and cons, and what you should consider before taking one out in Dennis, Kansas.

What are Payday Loans?

A payday loan is a short-term loan designed to provide quick cash to people who need money before their next paycheck. In Kansas, payday loans are legal and regulated by the state government, with certain restrictions in place to protect consumers.

How do Payday Loans Work?

In Dennis, Kansas, payday loans typically range from $100 to $1,000. The borrower writes a postdated check to the lender for the loan amount plus fees and interest. The lender then provides the borrower with cash, which the borrower can use to pay for their expenses. On the borrower’s next payday, the lender cashes the postdated check.

The fees and interest rates on payday loans in Kansas can be high, so it’s important to carefully consider whether taking out a payday loan is the right decision for your financial situation.

The Pros and Cons of Payday Loans

Payday loans have their advantages and disadvantages. Here are some of the pros:

  • Quick Access to Cash: Payday loans provide immediate access to cash, which can be useful for unexpected expenses.
  • Easy to Qualify: Payday lenders typically have a few basic requirements, such as a minimum income and an active checking account.
  • No Credit Check: Payday lenders do not typically check borrowers’ credit scores, which can be a relief for those with poor credit.

Here are some of the cons:

  • High Fees and Interest Rates: Payday lenders charge high fees and interest rates, which can make repayment difficult and may lead to a cycle of debt.
  • Short Repayment Periods: Payday loans typically must be repaid within a few weeks, which can be challenging for some borrowers.
  • May Trap Borrowers in Debt: If payday loans are not repaid on time, the fees and interest can quickly add up, trapping borrowers in a cycle of debt.

Things to Consider Before Taking out a Payday Loan in Dennis, Kansas

Before taking out a payday loan in Dennis, Kansas, it’s important to carefully consider your financial situation. Here are some things to keep in mind:

  • Can you afford to repay the loan? Before taking out a payday loan, make sure you can afford to repay the loan within the specified timeframe. If not, you may end up paying more in fees and interest.
  • What are the fees and interest rates? Make sure you understand the fees and interest rates associated with the payday loan before taking it out. These can vary depending on the lender and the amount borrowed.
  • Are there alternative options available? Check to see if there are any alternative options, such as borrowing from friends or family, using a credit card, or taking out a personal loan from a bank or credit union.

Facts and Statistics about Payday Loans in Dennis, Kansas

  • Payday loans are legal in Kansas: Kansas is one of the states where payday loans are legal. However, the state has implemented certain regulations to protect consumers, such as capping the loan amount at $500 and limiting the fees and interest rates that can be charged.
  • The average payday loan in Kansas is $330: According to the Pew Charitable Trusts, the average payday loan in Kansas is $330, and borrowers typically pay $50 in fees for a two-week loan.
  • Payday lenders in Kansas made $267 million in fees in 2018: According to data from the Kansas Office of the State Bank Commissioner, payday lending in Kansas generated $267 million in fees in 2018.

Apply Now

If you need a payday loan in Dennis, Kansas, TheGuaranteedLoans can help you connect with a potential lender. Our online application process is quick and easy, and we will work to match you with a lender who may be able to meet your needs. Remember, TheGuaranteedLoans is a connector service, not a direct lender. Apply now and take the first step towards getting the cash you need.

Note: TheGuaranteedLoans encourages responsible borrowing. Payday loans should be used as a short-term solution for emergency expenses and should not be used as a long-term financial solution.

F.A.Q.

Can payday loan lenders in Dennis, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in Dennis, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.

Can I file for bankruptcy to discharge my payday loan debt in Dennis, Kansas?

Yes, you can file for bankruptcy to discharge your payday loan debt in Dennis, Kansas. However, keep in mind that bankruptcy is a serious decision that can have long-term consequences on your credit and financial situation. It is recommended to explore all other options before considering bankruptcy.