Payday Loans in Garland, Kansas

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

Company nameAddressZip codePhone number
Advance America 1701 N 14th Ave i, Dodge City, KS 67801 +1 (620) 227 - 0400
Arvest Bank 2313 S Rouse St, Pittsburg, KS 66762 +1 (620) 231 - 2320
Landmark National Bank 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
Emprise Bank 201 Ross Ave St, Clearwater, KS 67026 +1 (620) 584 - 2201
LendNation 1703 W 6th Ave, Emporia, KS 66801 +1 (620) 343 - 2222
Commerce Bank 2830 S 4th St, Leavenworth, KS 66048 +1 (913) 758 - 2802
Country Club Bank 401 Delaware St, Leavenworth, KS 66048 +1 (913) 682 - 0003
Central National Bank Smart ATM 201 S 4th St, Burlington, KS 66839 +1 (888) 262 - 5456
Blue Valley Insurance Agencies Inc. 519 Broadway St, Marysville, KS 66508 +1 (785) 562 - 4310
MoneyGram 204 E Parkway Blvd, Liberal, KS 67901 +1 (620) 626 - 7115

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garland, KS, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Guaranteed Loans in Olathe, KS, No Credit Check Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loans in Shawnee, KS and Payday Loan Without a Credit Check in Topeka, 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 Garland, KS.

Are Payday Loans Legal In Garland, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Garland, 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 Garland, 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

Garland, KS payday loan calculator

Payday Loans in Garland, Kansas: A Comprehensive Guide

If you are facing an emergency financial situation in Garland, Kansas, and need access to quick cash, payday loans can provide a solution.

Payday loans are legal in Kansas and are an accessible and easy-to-obtain solution for those who need quick cash. In this comprehensive guide, we will provide you with valuable information on how payday loans work in Garland, Kansas, and what you need to know before applying for one.

What are Payday Loans?

Payday loans are short-term loans designed to help you cover emergency expenses until your next payday. They are typically small, ranging from $100 to $500, and have a repayment period of two to four weeks.

One of the main advantages of payday loans is that they are easy to apply for and require minimal documentation. Payday lenders usually do not perform credit checks, making them accessible to people with poor credit scores.

How do Payday Loans Work in Garland, Kansas?

In Garland, Kansas, payday loans are regulated by the Kansas Office of the State Bank Commissioner. Lenders must be registered with the state and follow strict regulations to ensure consumer protection.

To obtain a payday loan in Garland, you need to meet several requirements. You must be at least 18 years old, have a steady source of income, and provide a government-issued ID. You need to provide your social security number, phone number, and address.

Once you have met these requirements, you can apply for a payday loan. The lender will ask you to write a postdated check for the loan amount plus fees or sign an agreement that allows them to withdraw the money from your account on your next payday.

If you are approved for the loan, the lender will deposit the funds directly into your bank account within one business day.

What are the Pros and Cons of Payday Loans in Garland, Kansas?

Before applying for a payday loan, it’s essential to consider the pros and cons of this type of loan:

Pros:

  • Easy to apply for
  • No collateral or credit check required
  • Quick access to cash
  • Flexible repayment terms

Cons:

  • High-interest rates and fees
  • Short repayment period
  • Potential for repeat borrowing and debt cycle
  • May lead to damaged credit score

What are the Risks of Payday Loans in Garland, Kansas?

While payday loans can provide quick access to cash, there are risks associated with them. Roll-overs or renewals of payday loans can lead to a debt cycle, causing financial distress.

It is essential to borrow responsibly and only what you can afford to repay. Some payday lenders may engage in predatory practices, including charging excessively high-interest rates, misleading advertising, and aggressive collection methods.

Interesting Facts and Statistics about Payday Loans in Garland, Kansas

  • There are over 300 active payday loan storefronts in Kansas.
  • The average payday loan in Kansas is $350.
  • Kansas legislators passed regulations requiring lenders to disclose fees and APR in 2010.
  • Before the regulations, payday loan lenders charged up to 400% APR.

Apply Now

If you need quick access to cash in Garland, Kansas, you can apply for a payday loan through TheGuaranteedLoans. We are a connector service, connecting potential borrowers with a network of lenders in our network.

Applying for a payday loan with us is easy and confidential. Fill out a simple online application, and we will match you with a lender that fits your needs.

Remember to borrow only what you can afford to repay and to read the lender’s terms and conditions carefully.

Conclusion

Payday loans can be a useful tool for those facing emergencies, but they come with risks. If you are considering taking out a payday loan in Garland, Kansas, make sure to borrow responsibly and to read the lender’s terms and conditions carefully.

TheGuaranteedLoans can help you access quick cash through our network of trusted lenders. Apply now and get connected to a lender today.

F.A.Q.

Can I cancel a payday loan in Garland, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Garland, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.

Are there any restrictions on how payday loan lenders in Garland, Kansas can advertise their services?

Yes, payday loan lenders in Garland, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.