Payday Loans in Home, Kansas

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

Company nameAddressZip codePhone number
cash 2 go 107 W Cherry St, Chanute, KS 66720 +1 (620) 431 - 4438
Waddell & Reed Inc 323 Main St 4, Quinter, KS 67752 +1 (785) 675 - 1091
Advance America 800 N Main St, McPherson, KS 67460 +1 (620) 241 - 4660
American AgCredit 5634 10th St, Great Bend, KS 67530 +1 (620) 792 - 2211
TitleMax Title Loans 308 W 6th St, Junction City, KS 66441 +1 (785) 229 - 0969
American AgCredit 1501 Soule St, Dodge City, KS 67801 +1 (620) 227 - 8211
First National Bank-Hutchinson 1 N Main St, Hutchinson, KS 67501 +1 (620) 663 - 1521
Citizens Bank of Kansas 300 N Main St, Kingman, KS 67068 +1 (620) 532 - 5162
Equity Bank 801 Main St, Neodesha, KS 66757 +1 (620) 325 - 3033
Security 1st Title 118 N Main St, Yates Center, KS 66783 +1 (620) 625 - 2421

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Home, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, No Credit Check Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, No Credit Check Loans in Lenexa, KS, Payday Loans in Manhattan, KS and Emergency Loan in Olathe, 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 Home, KS.

Beautiful sights of Home, KS

Are Payday Loans Legal In Home, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Home, 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 Home, 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

Home, KS payday loan calculator

The Ins and Outs of Payday Loans in Home, Kansas

If you’re living in Home, Kansas, and need quick cash to cover an unexpected expense, a payday loan could be an option for you. Payday loans are short-term loans that typically range from $100 to $1000, and are designed to be repaid on your next payday.

Although payday loans have a bad reputation, they can be a smart financial move if you use them responsibly. In Kansas, payday lending is legal, and there are specific laws and regulations in place to protect consumers.

How do Payday Loans Work?

Payday loans are an easy way to get quick cash when you’re in a pinch. The process is simple, and it typically involves the following steps:

  • Complete an application: You’ll need to fill out an application and provide some basic information about yourself, including your income and employment status.
  • Review and sign the loan agreement: The lender will provide you with a loan agreement detailing the terms and conditions of the loan. Make sure you read and understand the agreement before signing.
  • Receive your funds: If you’re approved, the funds will be deposited into your bank account within one business day.
  • Repay the loan: On your next payday, the lender will withdraw the loan amount plus fees from your bank account.

It’s important to note that payday loans are short-term loans, and they come with high-interest rates and fees. The interest rates on payday loans can be as high as 391%, making them one of the most expensive forms of borrowing.

What are the Requirements for Getting a Payday Loan in Home?

To obtain a payday loan in Home, Kansas, you must meet the following requirements:

  • Be at least 18 years old
  • Be a US citizen or permanent resident
  • Have a steady source of income
  • Have a checking account
  • Provide a valid phone number and email address

If you meet these requirements, you may be eligible for a payday loan. Keep in mind that lenders may have additional requirements, so be sure to check with your lender before applying.

Benefits of Payday Loans in Home, Kansas

There are several benefits to getting a payday loan in Home, Kansas:

  • Quick and easy application process: The application process is simple and can be completed online in just a few minutes.
  • Fast approval: Once you’re approved, you can receive your funds within one business day.
  • No credit check: Payday loan lenders don’t typically conduct credit checks, so you may be able to get approved even if you have a poor credit history.
  • Flexible repayment options: Lenders may offer flexible repayment options based on your unique financial situation.

Despite these benefits, it’s important to avoid getting stuck in a cycle of debt with payday loans. If you’re unable to repay the loan on time, you may be charged additional fees, which can make it even harder to get out of debt.

Facts about Payday Loans in Home, Kansas

  • In Kansas, the maximum loan amount for a payday loan is $500.
  • The maximum loan term is 30 days.
  • The maximum finance charge is 15% of the loan amount.
  • Kansas law prohibits lenders from charging more than $15 in fees for every $100 borrowed.

It’s essential to know your rights as a borrower. Be sure to check your loan agreement carefully and understand the terms before signing.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that can help you find a payday loan lender in Home, Kansas. We work with a network of reputable lenders to provide you with the best possible loan options.

If you’re in need of fast cash, fill out our online application, and we’ll connect you with a lender who can help. Remember that we’re not a direct lender, and our service is free to you. We’re here to help you find the right lender for your needs.

Payday loans can be a convenient and useful tool when used responsibly. If you need quick cash and are confident in your ability to repay the loan on time, a payday loan could be a smart option for you.

However, it’s crucial to understand the risks and consequences of payday loans before applying. Be sure to read the loan agreement carefully and understand the terms and conditions before signing.

Remember, at TheGuaranteedLoans, we’re committed to helping you make informed financial decisions. Get started with our fast and easy online application today!

F.A.Q.

How do I repay a payday loan in Home, Kansas?

Payday loans in Home, Kansas are typically repaid in one lump sum on your next payday, along with any interest and fees. Some lenders may allow you to repay the loan in multiple payments.

Are payday loans in Home, Kansas regulated?

Yes, payday loans in Home, Kansas are regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to follow specific rules and regulations, including maximum interest rates and fees.