Payday Loans in Havana, Kansas

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

Company nameAddressZip codePhone number
ACE Cash Express 1105 W Pawnee St, Wichita, KS 67213 +1 (316) 263 - 6223
Community National Bank & Trust 606 W St John St, Girard, KS 66743 +1 (620) 724 - 4446
Central National Bank 101 S Broadway, Herington, KS 67449 +1 (785) 258 - 2265
Check `n Go 800 Tuttle Creek Blvd, Manhattan, KS 66502 +1 (785) 537 - 6012
GNBank 110 E 8th St, Horton, KS 66439 +1 (785) 486 - 2124
Emerald Bank 305 E Main St, Oxford, KS 67119 +1 (620) 455 - 3326
Extra Cash 16011 College Blvd, Shawnee Mission, KS 66219 +1 (913) 310 - 9292
Stockgrower's State Bank 622 Main St, Ashland, KS 67831 +1 (620) 635 - 4032
Citizens State Bank 32 Main St, Hamilton, KS 66853 +1 (620) 678 - 3310
Pony Express Community Bank 209 Roseport Rd, Elwood, KS 66024 +1 (913) 365 - 5156

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Havana, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lawrence, KS, Bad Credit Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, 24-Hour Loan in Manhattan, KS, 24-Hour Loan in Olathe, KS, Payday Loans in Overland Park, KS and Guaranteed Loans in Salina, 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 Havana, KS.

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

67347

Are Payday Loans Legal In Havana, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Havana, 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 Havana, 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

Havana, KS payday loan calculator

Payday Loans in Havana, Kansas

For residents of Havana, Kansas, payday loans offer a quick and easy solution to unexpected financial emergencies. Whether you need to cover unexpected medical expenses or pay an overdue bill, a payday loan can help you get the cash you need quickly.

In this article, we’ll take a look at the ins and outs of payday loans in Havana, Kansas. We’ll cover everything from the legal requirements to the application process, to help you make informed decisions when it comes to borrowing money.

What Are Payday Loans?

Payday loans are a short-term borrowing option that allows you to borrow money against your upcoming paycheck. They are typically used to cover unexpected expenses and are designed to be paid back within a few weeks or when your next paycheck arrives.

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. However, there are certain rules and regulations that lenders must follow to ensure a fair and transparent lending process.

Legal Requirements for Payday Loans in Havana, Kansas

Before applying for a payday loan in Havana, Kansas, it’s important to understand the legal requirements. These requirements include:

  • Borrowers must be at least 18 years old
  • Borrowers must be a resident of the United States
  • Borrowers must have a valid email address and phone number
  • Borrowers must have a valid checking account
  • Borrowers must have a regular source of income

Additionally, the amount you can borrow is limited to 25% of your gross monthly income or $500, whichever is less. The repayment term for payday loans in Kansas is typically between 7 and 30 days.

The Application Process

The application process for payday loans in Havana, Kansas is simple and straightforward. You can apply online or in person at a payday loan store. The application requires basic information such as your name, address, and employment information.

After submitting your application, the lender will review your information and determine if you are eligible for a loan. If approved, you will receive your funds either through a direct deposit to your checking account or in the form of a check.

Interest Rates and Fees

Payday loans in Havana, Kansas come with high interest rates and fees, so it’s important to understand the costs associated with borrowing money. Kansas law caps interest rates and fees at 15% for loans up to $1,500, but lenders may charge additional fees.

It’s important to read the terms and conditions of your loan carefully before accepting the money. Make sure you understand how much you will have to pay back and when.

Apply Now

If you’re considering a payday loan in Havana, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We offer a fast and easy online application process that takes just a few minutes to complete.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders who can provide you with the cash you need.

Interesting Facts and Statistics

  • In Kansas, the average payday loan is $340
  • Payday loans in Kansas have an average APR of 391%
  • In 2019, Kansas borrowers took out over 685,000 payday loans

These statistics show the prevalence of payday loans in Kansas and highlight the importance of understanding the costs associated with borrowing money.

Conclusion

Payday loans can be a valuable tool for residents of Havana, Kansas who need cash quickly. However, it’s important to understand the legal requirements, application process, and costs associated with borrowing money.

If you’re considering a payday loan, be sure to read the terms and conditions carefully and only borrow what you can afford to pay back. And as always, it’s a good idea to explore other borrowing options before turning to payday loans.

F.A.Q.

Are there any protections for military members in Havana, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Havana, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Are there any resources available to help me avoid taking out a payday loan in Havana, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Havana, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.