Payday Loans in Johnson, Kansas

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

Company nameAddressZip codePhone number
LibertyX Bitcoin ATM 1980 S Range, Colby, KS 67701 +1 (800) 511 - 8940
Enterprise Bank & Trust 11970 S Black Bob Rd, Olathe, KS 66062 +1 (913) 791 - 9966
INTRUST Bank 142 N Ash Ave, Valley Center, KS 67147 +1 (800) 895 - 2265
Payday Loan in Pittsburg N Locust St, Pittsburg, KS 66762 +1 (877) 780 - 1645
American AgCredit 904 Broadway St, Concordia, KS 66901 +1 (785) 243 - 4689
United Bank & Trust 300 4th St, Linn, KS 66953 +1 (785) 348 - 5521
Golden Plains Credit Union 475 State St, Phillipsburg, KS 67661 +1 (785) 543 - 5267
Commerce Bank 2200 Vine St, Hays, KS 67601 +1 (800) 453 - 2265
Check Into Cash 2348 W Central Ave c, El Dorado, KS 67042 +1 (316) 320 - 9999
Shirley Flick CFP 1618 Main St, Great Bend, KS 67530 +1 (620) 793 - 9999

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Johnson, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loan for Lawrence, KS, Payday Loans in Leavenworth, KS, 24-Hour Loan in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS and Quick 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 Johnson, KS.

Beautiful sights of Johnson, KS

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

67855

Are Payday Loans Legal In Johnson, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Johnson, 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 Johnson, 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

Johnson, KS payday loan calculator

Payday Loans in Johnson, Kansas

Payday loans are legal in Kansas as long as they comply with the strict regulations set forth by the state. Johnson, Kansas, is one of the many cities in the state where individuals can access payday loans. While these loans can be a source of quick cash in a pinch, they can also pose risks and should be used with caution. In this article, we will explore payday loans in Johnson, Kansas, and provide valuable information to help you make an informed decision about using these loans.

What are Payday Loans?

Payday loans, also known as cash advance loans or paycheck loans, are short-term loans typically given to individuals with low credit scores. These loans typically have high-interest rates and are meant to be paid back within a few weeks or on the next payday. In Johnson, Kansas, borrowers can typically borrow up to $500 from a payday lender.

The Application Process

The application process for a payday loan is relatively simple and quick. In most cases, borrowers need to provide proof of income, a bank account, and identification. If approved, borrowers can receive their funds as soon as the same day or the next business day. However, it’s important to note that these loans come with high-interest rates, which can quickly compound if the loan is not paid back in a timely fashion.

The Risks of Payday Loans

While payday loans can provide quick cash, they also come with significant risks. The high-interest rates associated with these loans can quickly add up, leaving borrowers in a worse financial position than before. Additionally, borrowers who are unable to pay back their loans on time may face additional fees and penalties.

There are also concerns about predatory lending practices within the payday loan industry. Some lenders may take advantage of individuals with low income or poor credit scores, charging exorbitant fees and using aggressive collection tactics. Therefore, borrowers should be cautious when considering payday loans and only borrow what they can afford to pay back on time.

Regulations in Johnson, Kansas

Payday loans are legal in Kansas, but there are strict regulations in place to protect borrowers. In Johnson, Kansas, lenders are required to be licensed with the state and can only offer loans up to $500. Additionally, lenders cannot charge more than 15% of the loan amount as interest and may not roll over or renew a loan more than three times.

Interesting Facts and Statistics

  • In 2019, the average payday loan amount in Kansas was $328.
  • Between 2013 and 2017, Kansas borrowers paid more than $23.5 million in fees and interest on payday loans.
  • The average APR (annual percentage rate) on a payday loan in Kansas is 391%.

Apply Now

If you need fast cash and are considering a payday loan in Johnson, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and our process is quick and easy. Simply fill out our online application, and we’ll work to match you with a lender that meets your needs. Remember, you should only borrow what you can afford to pay back on time and always read the terms and conditions of any loan carefully.

Conclusion

Payday loans can provide a quick source of cash for those in need, but they come with significant risks and should be used with caution. In Johnson, Kansas, borrowers can access payday loans up to $500, but strict regulations are in place to protect borrowers. 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 on time.

F.A.Q.

How much can I borrow with a payday loan in Johnson, Kansas?

The amount you can borrow with a payday loan in Johnson, Kansas is typically based on your income and your ability to repay the loan. The maximum amount you can borrow is $500.

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

Payday loans in Johnson, 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.