Payday Loans in Fontana, Kansas

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

Company nameAddressZip codePhone number
First National Bank 1201 W Amity St, Louisburg, KS 66053 +1 (913) 837 - 5191
Advance America 539 E Santa Fe St #1b, Olathe, KS 66061 +1 (913) 254 - 1640
Sunflower Bank 510 N Jefferson St, Junction City, KS 66441 +1 (785) 238 - 3177
First State Bank & Trust 400 Bury St, Tonganoxie, KS 66086 +1 (913) 845 - 2500
LibertyX Bitcoin ATM 3601 Vine St, Hays, KS 67601 +1 (800) 511 - 8940
Great Southern Bank 5206 W 95th St, Prairie Village, KS 66207 +1 (913) 341 - 7102
Central National Bank ATM 1550 Oxen Ln, Burlington, KS 66839 +1 (888) 262 - 5456
Frontier Farm Credit 2005 Harding Dr, Parsons, KS 67357 +1 (620) 421 - 4030
White Eagle Credit Union 2830 Ohio St, Augusta, KS 67010 +1 (316) 775 - 7591
LendNation 1318-1320 E 4th Ave, Hutchinson, KS 67501 +1 (620) 663 - 1483

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fontana, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Short-term Loans in Salina, KS, Payday Loan Companies in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loan Without a Credit Check in Wichita, KS, Guaranteed Loans in Hutchinson, KS, Payday Loans in Kansas City, KS and Payday Loans in Lawrence, 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 Fontana, KS.

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

66026

Are Payday Loans Legal In Fontana, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Fontana, 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 Fontana, 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

Fontana, KS payday loan calculator

Payday Loans In Fontana, Kansas: Everything You Need To Know

When you’re in a financial bind and need extra cash quickly, payday loans can seem like an attractive option. However, before you take out a payday loan, it is essential to understand the rates, terms, and laws governing these loans in Fontana, Kansas.

What Are Payday Loans?

Payday loans are a type of short-term loan used to help people bridge the gap between paychecks. They are usually due to be repaid on the borrower’s next payday or within a few weeks. Payday loans are often marketed as a quick and easy solution to financial emergencies.

Payday Loan Regulations in Fontana

Payday loans are legal in Kansas, including Fontana. However, the state has imposed several regulations to prevent payday lenders from exploiting borrowers. Here are some of the essential regulations governing payday loans in Fontana:

  • Borrowers can borrow a maximum of $500.
  • The loan term should be between seven and 30 days.
  • Lenders cannot charge more than 15% interest on the loan amount.
  • Lenders cannot charge more than $15 as a finance charge on every $100 borrowed.
  • Borrowers can have up to two outstanding loans with different lenders at any time.

The Pros and Cons of Payday Loans

Like any financial product, payday loans come with both advantages and disadvantages:

Pros:

  • Payday loans can be obtained quickly and without much hassle.
  • Borrowers do not need to have good credit to be eligible.
  • Payday loans can help people cover unexpected expenses or bills.

Cons:

  • Payday loans are expensive and can trap borrowers in a cycle of debt.
  • The high interest rates and fees could create a new financial burden.
  • Payday loans are usually due within a few weeks, which can be challenging for some borrowers.

Interesting Facts About Payday Loans in Fontana, Kansas

  • In Kansas, the average payday loan is for $300, and the average APR is 391%.
  • Kansas has more than twice the amount of payday lenders per capita compared to the national average.
  • A recent study found that the average Kansas payday borrower takes out eight loans per year, spending an estimated $521 in interest alone.

Apply Now with TheGuaranteedLoans!

At TheGuaranteedLoans, we understand the importance of having access to fast cash when an emergency arises. We offer a quick and easy online application process, connecting borrowers with potential lenders. Please note that we are a connector service, not a direct lender. We cannot guarantee loan approval, but we will work hard to match you with a reputable lender who can provide the funds you need.

If you need quick cash today, visit our website and complete our simple application process. Let us help you find the financial assistance you need when you need it most.

F.A.Q.

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

No, payday loans in Fontana, 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.

Can I be charged with fraud for not being able to repay a payday loan in Fontana, Kansas?

No, you cannot be charged with fraud for not being able to repay a payday loan in Fontana, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.