Payday Loans in Eskridge, Kansas

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

Company nameAddressZip codePhone number
Equity Bank 3825 SW 29th St, Topeka, KS 66614 +1 (785) 272 - 5257
Street Abstract Co Inc 210 South St, Iola, KS 66749 +1 (620) 365 - 5546
Credit Union of America 19991 W Kellogg Dr, Goddard, KS 67052 +1 (316) 265 - 3272
Piqua State Bank 1356 Xylan Rd, Piqua, KS 66761 +1 (620) 468 - 2555
American Implement 501 E Texcoco St, Montezuma, KS 67867 +1 (620) 846 - 2215
LPL Financial 11640 Connell St 10, Overland Park, KS 66210 +1 (913) 766 - 3731
LibertyX Bitcoin ATM 1980 S Range, Colby, KS 67701 +1 (800) 511 - 8940
Early Payday 6709 W 119th St, Overland Park, KS 66209 +1 (833) 321 - 7764
Community Bank of the Midwest 112 Main St, Otis, KS 67565 +1 (785) 387 - 2241
Great Plains Federal CU 2061 S Ohio St, Salina, KS 67401 +1 (785) 825 - 4621

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Eskridge, KS

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

66423

Are Payday Loans Legal In Eskridge, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Eskridge, 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 Eskridge, 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

Eskridge, KS payday loan calculator

Payday Loans in Eskridge, Kansas: An Overview

Payday loans are a popular type of short-term lending in the United States, including in Kansas. These loans are designed to provide borrowers with quick access to cash to cover unexpected expenses or emergencies.

If you live in Eskridge, Kansas, and you are considering taking out a payday loan, it is important to understand the rules and regulations around payday lending in Kansas.

How Payday Loans Work in Kansas

In Kansas, payday loans are legal, and there are laws that regulate how much you can borrow, how often you can borrow, and how much lenders can charge in interest and fees.

According to Kansas law, payday loans are capped at $500, and lenders are limited to charging no more than 15% in fees for the total amount borrowed. This means that if you take out a $300 payday loan, the maximum fee you can be charged is $45, bringing the total amount you owe to $345.

Additionally, if you take out a payday loan in Kansas, you will have a maximum of 30 days to repay the loan in full. This is to prevent borrowers from getting trapped in a cycle of debt and to protect them from predatory lending practices.

Pros and Cons of Payday Loans in Eskridge, Kansas

Like any type of loan, payday loans have their advantages and disadvantages. One advantage of payday loans is that they can provide fast cash when you need it most. This can be helpful if you have an emergency expense, like a car repair or a medical bill, that you need to pay right away.

However, payday loans come with high fees and interest rates, which can make it difficult to repay the loan on time. If you are unable to repay the loan on time, you may be charged additional fees, and the debt could start to accrue interest at a higher rate.

Another potential disadvantage of payday loans is that they can be a short-term solution to a long-term problem. If you are struggling with ongoing financial difficulties, taking out a payday loan may not be the best solution. In these cases, it may be better to seek financial counseling or look for other ways to improve your financial situation.

Interesting Facts about Payday Loans in Eskridge, Kansas

  • In 2019, payday lenders in Kansas lent over $267 million to borrowers.
  • The average interest rate on a payday loan in Kansas is 391%.
  • According to the Community Financial Services Association of America, the average payday loan borrower takes out 8 loans per year.

Apply Now

If you are considering taking out a payday loan in Eskridge, Kansas, you can apply for a loan online through TheGuaranteedLoans. We are a connector service that can help you connect with potential lenders who offer payday loans in your area.

It is important to remember that TheGuaranteedLoans is not a direct lender and does not make lending decisions on behalf of lenders. We simply facilitate the connection between borrowers and lenders and provide resources and information to help borrowers make informed decisions about their finances.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form and wait for a response from potential lenders in our network. If you are approved for a loan, funds may be deposited into your bank account as soon as the next business day.

Final Thoughts

Payday loans can be a helpful financing option when used responsibly and in a limited capacity. If you are considering taking out a payday loan in Eskridge, Kansas, it is important to understand the rules and regulations around payday lending in Kansas and to weigh the pros and cons carefully before making a decision.

At TheGuaranteedLoans, we are committed to helping our customers make informed decisions about their finances and to providing resources and support throughout the lending process. Apply for a payday loan through our website today and take control of your finances!

F.A.Q.

Are there any protections for military members in Eskridge, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Eskridge, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Are there any resources available to help me avoid taking out a payday loan in Eskridge, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Eskridge, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.