Payday Loans in Emmett, Kansas

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

Company nameAddressZip codePhone number
FirsTrust Mortgage of Wichita 2120 N Woodlawn Blvd 352, Wichita, KS 67208 +1 (816) 222 - 2200
Simmons Bank 15670 W 135th St, Olathe, KS 66062 +1 (913) 894 - 5400
LPL Financial 11640 Connell St 10, Overland Park, KS 66210 +1 (913) 766 - 3731
Lawrence Pawn & Jewelry 2447 W 6th St, Lawrence, KS 66049 +1 (785) 843 - 4344
Barri Agent 328 Commercial St, Emporia, KS 66801
Landmark National Bank 600 Main St, Osawatomie, KS 66064 +1 (913) 755 - 3033
Farmers State Bank 412 W Commercial St, Fairview, KS 66425 +1 (785) 467 - 3560
Central National Bank Smart ATM 201 S 4th St, Burlington, KS 66839 +1 (888) 262 - 5456
Frontier Farm Credit 2005 Harding Dr, Parsons, KS 67357 +1 (620) 421 - 4030
Waddell & Reed, Inc. - Financial Advisors 509 N Main St, Newton, KS 67114 +1 (316) 804 - 4309

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Emmett, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loan for Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Quick Loan in Salina, KS and Same Day Loans in Shawnee, 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 Emmett, KS.

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

66422

Are Payday Loans Legal In Emmett, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Emmett, 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 Emmett, 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

Emmett, KS payday loan calculator

Payday Loans in Emmett, Kansas

Payday loans are a type of short-term, high-interest loan that can help people in a financial bind. Although payday loans carry more risks than traditional loans, they have gained popularity in recent years due to their easy application processes and quick access to cash. In the state of Kansas, payday loans are legal, and those who are considering getting a payday loan in Emmett, Kansas, should be well-informed before making that decision.

How Do Payday Loans Work?

Before we dive into the specifics of payday loans in Emmett, let’s first go over how payday loans work in general. A payday loan is a small-dollar loan that typically ranges from $100 to $1,500. Borrowers must pay the loan back, along with fees and interest, on their next payday. The loan term is usually between 14 and 30 days, depending on the lender.

Payday loans differ from traditional bank loans in a few key ways. First, payday loans typically come with much higher interest rates. The high interest rates are often due to the fact that borrowers are considered high risk and, as a result, may have a lower credit score. Secondly, payday loans are unsecured, which means borrowers do not need to put up any collateral like a car title or house deed.

Payday Loans in Emmett, Kansas

As stated earlier, payday loans are legal in Kansas. However, there are regulations in place to help protect borrowers from predatory lending practices. In Kansas, borrowers can only take out up to $500 with a payday loan. Additionally, lenders are not allowed to charge more than 15 percent interest on the loan amount. If a borrower takes out a $500 loan, the maximum amount they will have to pay back is $575 (including fees). This helps ensure that borrowers don’t get trapped in a cycle of debt where they end up paying back much more than they borrowed.

Benefits of Getting a Payday Loan

While payday loans have a reputation for being risky, there are some benefits to getting a payday loan. For one, payday loans are often easier to qualify for than traditional bank loans. This is because credit scores play a smaller role in the approval process. Additionally, payday loans are typically processed much faster than bank loans. Borrowers can often receive their funds within hours of applying, making them a good option for those who need cash quickly.

Things to Consider Before Getting a Payday Loan

While payday loans can be helpful in certain situations, they are not without risks. The high interest rates and short repayment terms can often lead to a cycle of debt where borrowers struggle to pay back the loan and end up taking out another loan to cover the fees. It’s important to carefully consider your financial situation before taking out a payday loan.

Additionally, borrowers should always read the loan agreement carefully before signing. Make sure you understand the interest rates, fees, and repayment terms. If anything is unclear, ask the lender for clarification. It’s also a good idea to shop around and compare rates with other lenders to ensure you are getting the best deal possible.

Interesting Facts About Payday Loans in Emmett, Kansas

  • According to a report from the Kansas Office of the State Bank Commissioner, there were 352,942 payday loans with a total loan volume of $137 million issued in the state of Kansas in 2019.
  • The average interest rate on a payday loan in Kansas was 297 percent in 2019.
  • While payday loans are legal in Kansas, some cities in the state have passed ordinances that impose stricter regulations on payday lenders.

Apply Now

If you are considering getting a payday loan in Emmett, Kansas, TheGuaranteedLoans can connect you with potential lenders. We are a connector service, not a direct lender, which means we work with a network of lenders to help you find the loan that best meets your needs. To get started, fill out our online application and we will match you with potential lenders. Remember to carefully read the loan agreement and consider all your options before signing on the dotted line.

In short, payday loans can be a good option for those who need cash quickly, but they do come with risks. It’s important to carefully consider your financial situation before taking out a payday loan and to read the loan agreement carefully before signing any documents.

F.A.Q.

Can a payday lender take legal action against me in Emmett, Kansas if I default on my loan?

Yes, if you default on your payday loan in Emmett, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.

Can a payday lender garnish my wages in Emmett, Kansas if I default on my loan?

Yes, if you default on your payday loan in Emmett, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.