Payday Loans in Effingham, Kansas

Payday Loan Companies in Effingham, KS

Company nameAddressZip codePhone number
Exchange Bank & Trust 423 Main St 66023 +1 (913) 833 - 5560

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Effingham, 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 Manhattan, KS, Payday Loan Without a Credit Check in Olathe, KS, Emergency Loan in Overland Park, KS, Payday Loans in Salina, KS, Payday Loans in Shawnee, KS, Payday Loan Companies in Topeka, KS, Short-term Loans in Wichita, KS and Payday Loans in Hutchinson, 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 Effingham, KS.

Beautiful sights of Effingham, KS

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

66023

Are Payday Loans Legal In Effingham, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Effingham, 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 Effingham, 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

Effingham, KS payday loan calculator

F.A.Q.

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

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

Are there alternatives to payday loans in Effingham, Kansas?

Yes, there are alternatives to payday loans in Effingham, Kansas, such as borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit organization.

How Many Cash Advance Companies are in Effingham, KS?

With the help of our service, you will be able to find 1 cash advance companies in Effingham, KS

What Cash Advance Companies in Effingham, KS are the most popular?

You should check Exchange Bank & Trust. Also, you can start your application online on our website.