Payday Loans in Hanston, Kansas

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

Company nameAddressZip codePhone number
Synergy Wealth Solutions 10975 Benson Dr 350, Overland Park, KS 66210 +1 (913) 234 - 0300
City State Bank 1012 US-69, Fort Scott, KS 66701 +1 (620) 223 - 1600
Community National Bank & Trust 102 N 4th, Neodesha, KS 66757 +1 (620) 325 - 2900
Arvest Bank ATM 120 E 19th St, Ottawa, KS 66067 +1 (866) 952 - 9523
Great Plains FCU 504 N Buckeye Ave, Abilene, KS 67410 +1 (785) 263 - 2309
CheckSmart 4996 Roe Ave, Roeland Park, KS 66205 +1 (913) 362 - 4100
Cash-2-Go 2400 S N Main St, Fort Scott, KS 66701 +1 (620) 223 - 2291
Stockgrowers State Bank 304 Missouri Ave, Alma, KS 66401 +1 (785) 765 - 3311
Navy Federal Credit Union 501 N 3rd Pl A, Manhattan, KS 66502 +1 (888) 842 - 6328
First National Bank-Centralia 620 4th St, Centralia, KS 66415 +1 (785) 857 - 3341

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hanston, KS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Salina, KS, Payday Loans in Shawnee, KS, Payday Loans in Topeka, KS, Quick Loan in Wichita, KS, Bad Credit Loans in Hutchinson, KS, Bad Credit Loans in Kansas City, KS, Same Day Loans in Lawrence, KS and Bad Credit Loans in Leavenworth, 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 Hanston, KS.

Beautiful sights of Hanston, KS

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

67849

Are Payday Loans Legal In Hanston, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Hanston, 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 Hanston, 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

Hanston, KS payday loan calculator

Payday Loans in Hanston, Kansas: Everything You Need to Know

Payday loans can be a helpful solution to financial emergencies for individuals who do not have access to other forms of credit. When planned and executed correctly, it can provide a temporary financial solution to those struggling to afford unexpected bills or expenses. However, like any financial product, payday loans come with their own set of advantages and disadvantages. In this article, we will discuss payday loans in Hanston, Kansas. We’ll start by discussing what payday loans are, how they work and then move on to the relevant laws and rules governing payday loans in Hanston.

What Are Payday Loans?

Payday loans are a short-term monetary product that offers small amounts of cash typically to be paid back on the borrower’s next payday. This type of loan is designed for borrowers who require a small amount of money to pay bills or other urgent expenses. Depending on the state of residence, the loan amount might range between $100 – $1,500 and might be repaid in a single payment or installments

The Application Process

Obtaining payday loans in Hanston, Kansas is a straightforward process. Borrowers can apply online or in-store. The application process typically involves providing personal information, proof of income, and bank account details. Lenders use this information to evaluate the borrower’s creditworthiness and to determine the loan amount and terms.

Repayment of the loan

Repayments are generally required to be done in full on the borrower’s payday. Partial or total repayment of the loan can be done through installments, though full settlement is the better choice, as it helps borrowers avoid rollover fees. Rollover fees refer to the interest and charges borrowers incur when they are unable to pay back the loan amount on time. It’s essential to read the terms and conditions of the payday loan agreement carefully to understand the repayment requirements and fees associated.

Laws and Regulations in Hanston, Kansas

Payday loans are legal in Kansas, but there are specific laws and regulations set in place to protect borrowers from predatory lending practices. The maximum loan amount that can be borrowed is $500. Payday loans must not last longer than 31 days, and the interest rate must not exceed 15% of the loan’s principal. Rollovers are prohibited, and no additional fees may be charged other than the interest rate carrying the loan. Lenders who fail to comply with these regulations can be penalized by law.

Interesting Facts and Statistics

  • Kansas is one of the 27 states that allow payday loans.
  • As of the year 2019, there are approximately 736 payday lenders and 506 Check Cashers in Kansas.
  • According to recent data, the average payday loan amount in Kansas is $326.
  • Approximately 12% of Kansans have used payday loans in the past year.

Apply Now

TheGuaranteedLoans is a connector service that helps interested individuals connect with potential lenders. We make it easy for borrowers seeking payday loans in Hanston, Kansas, to find and compare lenders’ best offers. To learn more about our services and find lenders that suit your requirements, head to our website and fill out a secure online application. Keep in mind that we are not a direct lender, but we will work with you to ensure you find the best lender for your needs.

Lastly, it’s essential to remember that while payday loans may be a valid short-term financial solution, overuse or failure to pay them back promptly can result in severe financial consequences. As with any loan, it’s vital to thoroughly evaluate your financial ability to repay your debt before seeking a payday loan to avoid long-term financial distress.

F.A.Q.

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

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

Can I be arrested for not repaying a payday loan in Hanston, Kansas?

No, you cannot be arrested for not repaying a payday loan in Hanston, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.