Payday Loans in Fort Dodge, Kansas

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

Company nameAddressZip codePhone number
Great Plains FCU 301 N Alvarado St, Montezuma, KS 67867 +1 (620) 846 - 2203
Advance America 2800 10th St, Great Bend, KS 67530 +1 (620) 793 - 3540
Republic County Title Company 1332 19th St, Belleville, KS 66935
Loansmart 1914 NW Topeka Blvd, Topeka, KS 66608 +1 (785) 234 - 7558
Landmark National Bank 6100 SW 21st St, Topeka, KS 66614 +1 (785) 273 - 3303
Waconda Boats and Motors - Kansas 408 N Center St, Glen Elder, KS 67446 +1 (785) 545 - 3545
Central National Bank Mortgage Services 1426 Browning Ave 101, Manhattan, KS 66502 +1 (888) 262 - 5456
TitleMax Title Loans 128 E 4th Ave, Hutchinson, KS 67501 +1 (620) 615 - 7532
Frontier Farm Credit 1808 Rd G, Emporia, KS 66801 +1 (620) 342 - 0138
Speedy Cash 1220 W Crawford St, Salina, KS 67401 +1 (785) 309 - 0841

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fort Dodge, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, 24-Hour Loan in Wichita, KS, Guaranteed Loans in Hutchinson, KS, No Credit Check Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Short-term Loans in Leavenworth, KS, Payday Loans in Leawood, KS and Guaranteed Loans in Lenexa, 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 Fort Dodge, KS.

Beautiful sights of Fort Dodge, KS

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

67801

Are Payday Loans Legal In Fort Dodge, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Fort Dodge, 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 Fort Dodge, 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

Fort Dodge, KS payday loan calculator

Payday Loans in Fort Dodge, Kansas: What to Know

Payday loans, also known as cash advance loans, can be a helpful option for those facing unexpected expenses or financial emergencies. These loans provide a short-term solution to financial difficulties and can usually be obtained quickly and easily. If you live in Fort Dodge, Kansas, payday loans are legal and may be a viable solution to your immediate financial needs.

What are Payday Loans?

Payday loans are short-term loans typically paid back on the borrower’s next payday. They are designed to provide quick access to cash for those facing unexpected expenses or financial emergencies. These loans are only meant to be used as a short-term solution and should not be relied upon for long-term financial stability.

To obtain a payday loan, a borrower typically needs to show proof of employment, have a valid checking account, and provide a post-dated check or authorization for electronic withdrawal for the full amount borrowed plus interest and fees. Unlike traditional loans, which may require several business days or weeks for approval, payday loans can often be obtained within 24-48 hours.

How Do Payday Loans Work in Fort Dodge, Kansas?

Payday loans are regulated in Kansas under the Kansas Statutes Annotated section 16a-2-404. Under these laws, payday loans are legal and can offer up to $500 in short-term financing. The maximum term for a payday loan in Kansas is 30 days, and the lender can charge up to 15% interest on the loan amount.

Fort Dodge residents looking to obtain a payday loan should ensure they are working with a licensed lender in accordance with Kansas state laws. Additionally, borrowers should only borrow what they can afford to repay and should be sure to understand the terms and conditions of the loan before accepting. If a borrower is unable to repay the loan on the due date, they may be charged additional fees or interest and may be at risk of falling into a cycle of debt.

Benefits of Payday Loans in Fort Dodge, Kansas

While payday loans are not meant to be a long-term solution for financial difficulties, they can provide a number of benefits to those facing unexpected expenses or emergencies. Some potential benefits of payday loans in Fort Dodge, Kansas include:

  • The ability to obtain quick cash, often within 24-48 hours
  • Simplicity and ease of application
  • No collateral is required for approval
  • No restrictions on how the loan funds are used

It’s important to remember that payday loans are a short-term solution to financial difficulties and should be used responsibly.

Apply Now

If you live in Fort Dodge, Kansas, and are facing unexpected expenses or financial difficulties, a payday loan may be a viable option. Apply now to be connected with potential payday lenders through TheGuaranteedLoans. As a connector service, TheGuaranteedLoans will help facilitate your connection with potentially suitable lenders, but is not a direct loan provider. It’s important to ensure you read and understand the terms and conditions of any loan before accepting, and to only borrow what you can afford to repay.

Interesting Facts and Statistics on Payday Loans in Fort Dodge, Kansas

– The average payday loan in Kansas is $300

– Kansas has over 400 payday loan stores

– In 2020, 14.5% of Kansas households used a payday loan

– The most common use for payday loans in Kansas is to pay for unexpected expenses or bills

In Conclusion

Payday loans can be a helpful short-term solution for those facing unexpected expenses or financial emergencies. If you live in Fort Dodge, Kansas, payday loans are legal and may offer a viable option to help address immediate financial needs. Remember to use payday loans responsibly and only borrow what you can afford to repay.

F.A.Q.

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

Yes, if you default on your payday loan in Fort Dodge, 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.

Can a payday lender seize my assets in Fort Dodge, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in Fort Dodge, Kansas if you default on your loan. However, the lender may be able to take legal action to recover the funds, which could include wage garnishment or other consequences.