Payday Loans in Kanopolis, Kansas

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

Company nameAddressZip codePhone number
Landmark National Bank 1007 N Main St, Garden City, KS 67846 +1 (620) 275 - 2166
Commerce Bank 1301 Jayhawk Blvd, Lawrence, KS 66045 +1 (816) 234 - 2250
Peoples State Bank 9370 US-24, Manhattan, KS 66502 +1 (785) 539 - 8884
Benjie's Auto Sales 1816 S 4th St 3933, Leavenworth, KS 66048 +1 (913) 772 - 0993
GN Bankshares Inc 100 E Forest Ave, Girard, KS 66743 +1 (620) 724 - 8223
BankWest of Kansas Motorbank 123 W 10th St, Goodland, KS 67735 +1 (785) 899 - 3041
Check Into Cash 2100 S 9th St f, Salina, KS 67401 +1 (785) 827 - 4236
Landmark National Bank 6100 SW 21st St, Topeka, KS 66614 +1 (785) 273 - 3303
Sunflower Bank 201 N Main St, Wichita, KS 67202 +1 (316) 652 - 1216
Encompass Health - Home Health, Topeka KS 2016 SW 37th St Suite 100, Topeka, KS 66611 +1 (785) 232 - 8593

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kanopolis, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Leavenworth, KS, 24-Hour Loan in Leawood, KS, Bad Credit Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loans in Salina, KS and Payday Loans in Shawnee, 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 Kanopolis, KS.

Beautiful sights of Kanopolis, KS

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

67454

Are Payday Loans Legal In Kanopolis, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Kanopolis, 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 Kanopolis, 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

Kanopolis, KS payday loan calculator

Payday Loans in Kanopolis, Kansas: Understanding the Basics

Payday loans are short-term, high-interest loans designed to help individuals bridge the gap between paychecks. If you live in Kanopolis, Kansas, you may find yourself in need of this type of loan to cover unexpected expenses or to make ends meet.

While payday loans are legal in Kansas, it’s important to understand the regulations and requirements before taking out a loan.

How Payday Loans Work in Kanopolis

Payday loans in Kanopolis, Kansas are typically offered through storefront lenders or online. The application process is typically fast and easy, with many lenders providing loan approval within minutes.

To qualify for a payday loan in Kanopolis, you will need to provide proof of income and identification. Lenders may also require a post-dated check or authorization to withdraw the loan amount from your bank account on your next payday.

The loan amount and terms will vary depending on the lender and your individual circumstances. However, Kansas law limits payday loans to a maximum of $500 and requires that the loan term not exceed 30 days.

The Risks of Payday Loans in Kanopolis

While payday loans can be a useful tool in certain circumstances, they also present significant risks. The high-interest rates and short repayment terms can make it difficult for borrowers to repay the loan on time, leading to additional fees and interest charges.

In addition, some lenders may engage in predatory practices, such as charging excessive fees or using aggressive collection tactics. It’s important to carefully research lenders before taking out a payday loan and to only borrow what you can afford to repay.

Interesting Statistics About Payday Loans in Kanopolis, Kansas

  • In 2020, there were approximately 234 storefront payday lending locations in Kansas. (Center for Responsible Lending)
  • The average payday loan in Kansas is $307. (Consumer Financial Protection Bureau)
  • According to a survey conducted by Pew Charitable Trusts, borrowers in Kansas take out an average of eight payday loans per year. (Pew Charitable Trusts)

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Kanopolis, Kansas, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is fast and easy, and we work with a network of lenders to provide you with options for your individual needs.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or provide loans ourselves. Instead, we facilitate your connection with potential lenders and provide information to help you make informed borrowing decisions.

If you’re in need of a payday loan in Kanopolis, Kansas, take the time to carefully research lenders and understand the terms and risks before borrowing. And remember, TheGuaranteedLoans is here to help connect you with potential lenders and provide information to help you make informed decisions.

F.A.Q.

Are there any alternatives to payday loans in Kanopolis, Kansas?

Yes, there are several alternatives to payday loans in Kanopolis, Kansas, including borrowing from friends or family, using credit cards, or applying for a personal loan from a bank or credit union.

What are the risks of taking out a payday loan in Kanopolis, Kansas?

Payday loans in Kanopolis, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.