Payday Loans in Elsmore, Kansas

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

Company nameAddressZip codePhone number
Quicks Cash 1219 E 1st St A, Pratt, KS 67124 +1 (620) 672 - 6200
Centera Bank 2200 N 14th Ave, Dodge City, KS 67801 +1 (620) 227 - 6370
Community Bank & Trust 6972 SE Nighthawk Ln, Riverton, KS 66770 +1 (620) 848 - 3200
Cash-2-Go 1817 E Santa Fe St, Gardner, KS 66030 +1 (913) 884 - 2456
Astra Bank 201 S Main St 2214, Plainville, KS 67663 +1 (785) 434 - 2809
Citizens State Bank 306 N Main St, Cheney, KS 67025 +1 (316) 542 - 3142
Thrivent Financial 1311 Williams St, Great Bend, KS 67530 +1 (620) 792 - 2465
First Option Bank Spring Hill 21101 W 223rd St, Spring Hill, KS 66083 +1 (913) 557 - 0800
US Check Cashing 3212 State Ave, Kansas City, KS 66102 +1 (913) 621 - 6050
Mr Payroll 208 W Pancake Blvd, Liberal, KS 67901 +1 (620) 624 - 5567

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Elsmore, KS

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

66732

Are Payday Loans Legal In Elsmore, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Elsmore, 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 Elsmore, 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

Elsmore, KS payday loan calculator

Payday loans: A Guide to Getting Quick Cash in Elsmore, Kansas

Life is unpredictable, and sometimes you need money fast in Elsmore, Kansas. If that’s the case for you, a payday loan could be the answer.

Payday loans are short-term loans designed to help people cover financial emergencies between paychecks. They are relatively easy to obtain, even if you have bad credit, and the application process is often quick and straightforward.

How it Works

To apply for a payday loan in Elsmore, Kansas, you must provide proof of income, a bank account, and a valid ID. Once you’re approved, the amount of your loan will be deposited directly into your bank account. When it’s time to pay it back, the lender will withdraw the amount owed plus fees from your account. The timing of both payments will depend on your payday schedule.

Payday loans have high fees and interest rates, so it’s essential to make sure you can pay the amount back on time. If you don’t, you could find yourself in a cycle of debt that can be difficult to escape.

The Benefits of Payday Loans

Despite the high fees, payday loans can be beneficial in the right circumstances. They offer quick access to cash when you need it, and they’re often more accessible than traditional loans, which require more paperwork and higher credit scores. They can also help you avoid overdraft fees on your bank account, which can be much more expensive in the long run.

The Risks of Payday Loans

The risks of payday loans are significant. They can be a temporary fix to a long-term problem and can lead to a cycle of debt if you can’t pay them back on time. Payday loans are not a good solution if you’re looking for long-term financial stability.

According to a report by the Consumer Financial Protection Bureau (CFPB), 80% of payday loans are rolled over or renewed within two weeks, and more than two-thirds of borrowers end up renewing their loans seven times or more.

Payday Loans in Elsmore, Kansas

If you’re looking for payday loans in Elsmore, there are a few things you should know. Kansas has some of the most relaxed payday loan regulations in the country, which means lenders can charge high fees and interest rates.

  • The maximum loan term is 30 days
  • The maximum loan amount is $500
  • Lenders cannot charge more than 15% on loans

It’s important to do your research on lenders before you take out a payday loan. Look for reviews and ratings, and compare fees and interest rates to find the best deal for you.

Interesting Facts and Statistics

  • There are more than 300 payday loan companies in Kansas
  • Kansas has more payday lenders per capita than any other state in the United States
  • The average APR for payday loans in Kansas is 391%
  • 47% of payday loan borrowers in Kansas have annual incomes below $30,000

Apply Now

If you need a payday loan in Elsmore, Kansas, TheGuaranteedLoans can help. We are a connector service that can facilitate your connection with potential lenders. Our application process is quick, easy, and secure, and you can apply from the comfort of your own home.

Remember, payday loans should be a last resort, so it’s essential to explore your other options before applying. But if you’re in a financial emergency and need cash fast, a payday loan could be the right option.

F.A.Q.

Are there any restrictions on the number of payday loans I can take out in Elsmore, Kansas?

Yes, in Elsmore, Kansas, you are only allowed to have one outstanding payday loan at a time. This means that you cannot take out multiple payday loans from different lenders at the same time.

Can I be denied a payday loan in Elsmore, Kansas for having bad credit?

No, payday loans in Elsmore, Kansas are not based on your credit score. However, if you have a history of defaulting on payday loans or other debts, the lender may decide not to extend a loan to you.