Payday Loans in Kismet, Kansas

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

Company nameAddressZip codePhone number
Hardship Personal Loans 6709 W 119th St 338, Overland Park, KS 66209 +1 (833) 321 - 7764
GE Capital Corporation 9121 E 79th St S, Derby, KS 67037 +1 (316) 788 - 9367
Double Eagle Firearms & Pawn 104 S Summit St, Arkansas City, KS 67005 +1 (620) 442 - 4868
Family Wealth Management LLC 106 W 9th Ave, Winfield, KS 67156 +1 (620) 221 - 2853
Commerce Bank 456 N Main St, Wichita, KS 67202 +1 (316) 261 - 3600
Country Club Bank, Lansing 100 4-H Rd, Lansing, KS 66043 +1 (913) 351 - 0001
Normans Printing 214 N Jefferson Ave, Iola, KS 66749 +1 (620) 363 - 5029
Kansas Teachers Community Cu 119 S 8th St, Independence, KS 67301 +1 (620) 331 - 6934
Advance America 401 N Main St, Newton, KS 67114 +1 (316) 283 - 9450
Citizens State Bank 1448 Industrial Rd, Emporia, KS 66801 +1 (620) 342 - 0200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kismet, KS, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Emergency Loan in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loan Companies in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS and Payday Loan Without a Credit Check in Manhattan, 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 Kismet, KS.

Beautiful sights of Kismet, KS

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

67859

Are Payday Loans Legal In Kismet, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Kismet, 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 Kismet, 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

Kismet, KS payday loan calculator

Understanding Payday Loans in Kismet, Kansas

Payday loans are a common financial solution for many people who need short-term cash assistance in Kismet, Kansas. These loans are designed to help borrowers cover emergency expenses, unexpected bills, or other financial obligations that may arise before their next paycheck.

How do Payday Loans Work in Kansas?

In Kansas, payday loans are legal and regulated by state law. The maximum loan amount that a borrower can take out is $500, and the loan term must be 7-30 days. Lenders are also required to provide a written agreement that discloses all fees and interest rates associated with the loan.

When a borrower applies for a payday loan, they are required to provide proof of income through a recent paycheck stub or other documentation. Once their application is approved, the lender will provide them with the funds they need, which they will be required to pay back on their next payday. If the borrower is unable to pay the loan back on the due date, they may be able to roll over the loan for an additional fee.

The Pros and Cons of Payday Loans

  • Pros: Payday loans offer a quick and convenient way to get cash when you need it. They are also available to people with bad credit or no credit history.
  • Cons: Payday loans typically come with very high-interest rates and fees, which can make it difficult to pay the loan back on time. Rolling over the loan can also lead to a cycle of debt that is hard to escape from.

Interesting Facts and Statistics about Payday Loans in Kismet, Kansas

  • In Kansas, the average payday loan is $290, with an interest rate of 391%.
  • According to a survey by the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or followed by another loan within two weeks.
  • There are approximately 326 payday lending locations in Kansas, according to a report by the Kansas Office of the State Bank Commissioner.

Apply Now for a Payday Loan in Kismet, Kansas

If you are in need of emergency cash assistance, TheGuaranteedLoans can help connect you with potential lenders in Kismet. Keep in mind that we are not a direct lender, but a connector service that facilitates connections. To apply for a payday loan, simply fill out our online application and we will match you with potential lenders based on your needs and qualifications.

It is important to read and understand the loan agreement carefully before accepting any loan offers. Make sure you can afford the loan, including all associated fees and interest rates, and that you understand the consequences of not paying the loan back on time.

In Conclusion

Payday loans can be a useful financial tool for people in Kismet who need short-term cash assistance. However, they should be used with caution, as they can come with high-interest rates and fees. Before taking out a payday loan, make sure you fully understand all of the terms and conditions, and that you are able to repay the loan on time. If you are ready to apply for a payday loan in Kismet, Kansas, TheGuaranteedLoans can help connect you with potential lenders today.

F.A.Q.

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

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

Are there alternatives to payday loans in Kismet, Kansas?

Yes, there are alternatives to payday loans in Kismet, Kansas, such as borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit organization.