Payday Loans in Gorham, Kansas

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

Company nameAddressZip codePhone number
High Plains Farm Credit 601 Main St, Larned, KS 67550 +1 (620) 285 - 6978
Western State Bank 1500 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 4128
Loanmax Title Loans 1020 N Main St, Lansing, KS 66043 +1 (913) 686 - 6486
Southwest Kansas Community Credit Union 212 E Frontview St suite c, Dodge City, KS 67801 +1 (620) 225 - 5625
First National Bank-Centralia 620 4th St, Centralia, KS 66415 +1 (785) 857 - 3341
Farmers State Bank 209 Montana Ave, Holton, KS 66436 +1 (785) 364 - 4691
Homestead Financial Mortgage 8585 College Blvd 110, Overland Park, KS 66210 +1 (913) 317 - 1000
Equity Bank 745 Main St, Hoxie, KS 67740 +1 (785) 675 - 3261
Golden Plains Credit Union 1714 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 2151
Community Bank of the Midwest 211 E Santa Fe Blvd, Ellinwood, KS 67526 +1 (620) 564 - 3700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gorham, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Kansas City, KS, Same Day Loans in Lawrence, KS, Quick Loan in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Quick Loan in Olathe, KS and Short-term Loans in Overland Park, 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 Gorham, KS.

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

67640

Are Payday Loans Legal In Gorham, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Gorham, 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 Gorham, 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

Gorham, KS payday loan calculator

Payday Loans in Gorham, Kansas

Payday loans have become an increasingly popular financial solution for those facing unexpected expenses or short-term cash flow problems. These loans, which offer quick access to cash, are legal in Kansas, including the city of Gorham. In this article, we will provide a comprehensive overview of payday loans in Gorham, Kansas.

How Payday Loans Work

Payday loans are short-term loans typically due on the borrower’s next payday or within a few weeks. Typically, the borrower writes a post-dated check or provides their bank account information in exchange for a cash loan. The lender will then deposit the funds into the borrower’s account or cash the check on the agreed-upon date.

It is important to note that payday loans typically come with significantly higher interest rates than other forms of credit, often in the range of 400% or more. As such, they should only be used as a last resort and repaid as quickly as possible to avoid accumulating large amounts of debt.

Eligibility Requirements for Payday Loans in Gorham, Kansas

To qualify for a payday loan in Gorham, Kansas, borrowers must meet certain eligibility requirements, including:

  • Being at least 18 years old
  • Having a valid ID or driver’s license
  • Having an active checking account
  • Having a steady source of income

Lenders may also require additional documentation or proof of income. It is important to carefully read the terms and conditions of any payday loan before agreeing to it.

The Benefits of Payday Loans

Payday loans offer several benefits to borrowers facing unexpected expenses or short-term cash flow problems. These benefits include:

  • Quick access to cash
  • No credit check required
  • Flexible borrowing limits
  • Easy application process

However, it is important to remember that these benefits come at a cost, and borrowers should carefully consider the potential risks before taking out a payday loan.

Risks of Payday Loans

While payday loans can offer a quick solution to financial problems, they also come with significant risks. These risks include:

  • High interest rates and fees
  • Potential for debt accumulation
  • Limited consumer protections
  • Potential for predatory lending practices

It is important to carefully consider the potential risks before taking out a payday loan and to only use them as a last resort.

Interesting Facts and Statistics about Payday Loans in Gorham, Kansas

  • In 2019, Kansas residents took out over 1.4 million payday loans
  • The average APR for payday loans in Kansas is 391%
  • The maximum loan amount for payday loans in Kansas is $500
  • The average payday loan in Kansas is $307

Apply Now

If you are considering a payday loan in Gorham, Kansas, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we offer a secure and confidential platform for borrowers to connect with lenders. We are a connecting service, not a direct lender, and we are committed to connecting borrowers with reputable providers.

Apply now and see if you can get approved for a payday loan in Gorham, Kansas.

Note: Remember to carefully read and understand the terms and conditions of any payday loan before agreeing to it. Payday loans should only be used as a last resort and repaid as quickly as possible to avoid accumulating large amounts of debt.

F.A.Q.

Can I be sued for not repaying a payday loan in Gorham, Kansas?

Yes, if you default on your payday loan in Gorham, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.

Can I be charged with a crime for not repaying a payday loan in Gorham, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Gorham, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.