Payday Loans in Edwardsville, Kansas

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

Company nameAddressZip codePhone number
Union State Bank 508 Dexter St, Clay Center, KS 67432 +1 (785) 632 - 3122
Bank of America with Drive-thru ATM 500 S West St, Wichita, KS 67213 +1 (316) 261 - 4242
Citizens Bank NA 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
Meritrust Credit Union - Lawrence 650 Congressional Dr, Lawrence, KS 66049 +1 (785) 856 - 7878
Farm Bureau Financial Services 310 E 2nd St, Pratt, KS 67124 +1 (620) 672 - 3161
Central National Bank 231 E Main St, Marion, KS 66861 +1 (620) 382 - 2129
Central Bank 300 W 9th St, Lawrence, KS 66044 +1 (785) 865 - 1000
State Bank of Spring Hill 201 S Webster St, Spring Hill, KS 66083 +1 (913) 592 - 3326
Dillons Money Services 700 N Main St, El Dorado, KS 67042 +1 (316) 321 - 0332
Advance America 602 State St, Emporia, KS 66801 +1 (620) 342 - 9797

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Edwardsville, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, Payday Loans in Wichita, KS, Same Day Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Quick Loan 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 Edwardsville, KS.

Beautiful sights of Edwardsville, KS

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

66113

Are Payday Loans Legal In Edwardsville, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Edwardsville, 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 Edwardsville, 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

Edwardsville, KS payday loan calculator

Understanding Payday Loans in Edwardsville, Kansas

If you’re in need of quick cash in Edwardsville, Kansas, you may have considered getting a payday loan. Payday loans are short-term loans that can help you cover unforeseen expenses or bridge the gap between paychecks. However, before you take out a payday loan, it’s important to educate yourself on the laws and regulations that govern payday lending in Kansas.

The Legality of Payday Loans in Kansas

Unlike some states where payday loans are illegal or highly regulated, payday lending is legal in Kansas. However, Kansas has set certain limits on the amount you can borrow, the fees that can be charged, and the number of consecutive loans you can take out.

According to Kansas law, lenders can only lend a maximum of $500 per loan and charge a maximum finance rate of 15%. Additionally, a borrower cannot take out more than two loans at a time, and the loans cannot be renewed or rolled over.

The Pros and Cons of Payday Loans

While payday loans can be a useful tool, there are both advantages and disadvantages to consider before taking one out.

Advantages:

  • Quick access to cash when you need it most.
  • No credit check required, making it easier for those with poor credit to be approved.
  • Simplified and convenient application process.

Disadvantages:

  • High fees and interest rates, making it an expensive form of credit.
  • Can lead to a cycle of debt if not paid off on time.
  • May not solve underlying financial issues.

Interesting Facts About Payday Loans in Edwardsville, Kansas

According to a report by The Pew Charitable Trusts, about 1 in 8 adults in Kansas have taken out a payday loan, with the average loan amount being $391. Furthermore, the report found that borrowers in Kansas take out payday loans for average terms of roughly two weeks and pay an average of $52 in fees per loan.

Applying for a Payday Loan

If you decide that a payday loan is the right choice for you, it’s important to find a reputable lender. TheGuaranteedLoans can help connect you with potential lenders, making the process fast and simple. Keep in mind that TheGuaranteedLoans is not a direct lender, but a connector service that facilitates connections between borrowers and lenders.

To apply, simply fill out the online application on TheGuaranteedLoan’s website. Be sure to provide accurate information and read all terms and conditions carefully. Typically, borrowers are notified of their approval status within minutes and can receive their funds as soon as the next business day.

Conclusion

While payday loans can be a helpful tool for those in need of quick cash, it’s important to understand the laws and regulations that govern payday lending in Kansas. Additionally, borrowers should carefully consider the pros and cons of payday loans and only take out a loan if it’s truly necessary. With the help of TheGuaranteedLoans, you can quickly and easily apply for a payday loan in Edwardsville, Kansas, knowing you’re working with a reputable lender.

F.A.Q.

Can I be sued for not repaying a payday loan in Edwardsville, Kansas?

Yes, if you default on your payday loan in Edwardsville, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.

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

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