Payday Loans in La Harpe, Kansas

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

Company nameAddressZip codePhone number
American Payday Loans 2520 S. 9th, Salina, KS 67401 +1 (785) 823 - 2525
Citizens State Bank 320 W Madison Ave St, Madison, KS 66860 +1 (620) 437 - 3500
Paycheck Advance 7008 W 83rd St, Overland Park, KS 66204 +1 (913) 341 - 3400
American AgCredit 1902 E 23rd Ave, Hutchinson, KS 67502 +1 (620) 663 - 3305
United Credit Union 202 S Topeka Ave, Ness City, KS 67560 +1 (785) 798 - 3223
Check `n Go 630 N Kansas Ave, Liberal, KS 67901 +1 (620) 624 - 7355
Equity Bank 2428 Vine St, Hays, KS 67601 +1 (785) 621 - 2230
Payday Loans 128 E Maple St, Columbus, KS 66725 +1 (620) 429 - 3293
First Neodesha Bank Bank of Parsons 200 S 16th St, Parsons, KS 67357 +1 (620) 421 - 1448
Advance America 2121 SW Wanamaker Rd #119, Topeka, KS 66614 +1 (785) 271 - 8851

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in La Harpe, KS, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Lawrence, KS, 24-Hour Loan in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans 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 La Harpe, KS.

Beautiful sights of La Harpe, KS

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

66751

Are Payday Loans Legal In La Harpe, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to La Harpe, 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 La Harpe, 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

La Harpe, KS payday loan calculator

Payday Loans in La Harpe, Kansas

Payday loans are a type of short-term loan that can help cover unexpected expenses. These loans are designed to be repaid on the borrower’s next payday and can provide a quick and convenient solution to immediate financial needs.

While payday loans are legal in Kansas, it’s important to understand the regulations and restrictions in place to protect borrowers. This article will provide a comprehensive guide on payday loans in La Harpe, Kansas, including how they work, the laws and regulations, and where to find reliable lenders.

How Payday Loans Work

Payday loans are meant to provide immediate financial relief for borrowers who need cash fast. The application process is usually quick and straightforward, with lenders offering loans ranging from $100 to $1,000, depending on the borrower’s income and credit history.

Once approved, the funds are typically deposited into the borrower’s bank account within 24 hours. The loan, along with any fees and interest, is usually due on the borrower’s next payday.

It’s important to note that payday loans can come with high fees and interest rates, so borrowers should only take out a loan if they can afford to repay it on time.

Kansas Payday Loan Regulations and Laws

Payday loans are legal in Kansas, but the state has put regulations in place to protect borrowers from predatory lending practices. In La Harpe, payday lenders are required to obtain a license from the state and follow specific guidelines.

According to Kansas law, payday lenders can only charge up to 15% of the loan amount in fees. For example, if a borrower takes out a $500 loan, the lender can only charge up to $75 in fees. The loan must also be repaid within a maximum of 30 days.

Borrowers are only allowed to take out one payday loan at a time and can only have two outstanding loans within a 30-day period. Lenders are also required to provide a borrower with a contract that clearly outlines the loan terms, including the fees and interest rates, before the borrower signs the agreement.

Finding Reliable Payday Loan Lenders in La Harpe, Kansas

When looking for a payday loan lender in La Harpe, Kansas, it’s important to do your research and find a reputable lender with transparent loan terms and fees.

TheGuaranteedLoans.com is a lending service that helps connect borrowers with potential lenders. Our application process is quick and easy, and we work with a network of reliable lenders who comply with all state and federal regulations.

If you’re looking for a payday loan in La Harpe, Kansas, we encourage you to fill out an application on our website and get connected with a potential lender. Remember, payday loans are designed to be a short-term solution to immediate financial needs, and should only be taken out if you can afford to repay the loan on time.

Interesting Facts and Statistics

  • In Kansas, the average payday loan is $300 and is repaid in 12 days.
  • Kansas was one of the first states to regulate payday lending, passing a law in 1995 that put restrictions on the fees and interest rates that lenders could charge.
  • According to a 2015 report from Pew Charitable Trusts, 12 million Americans take out payday loans each year, with borrowers spending an average of $520 in fees to borrow $375.

Apply Now

If you’re in need of a payday loan in La Harpe, Kansas, and want to connect with a reliable lender, we encourage you to fill out an application on TheGuaranteedLoans.com. Our online application process is quick and easy, and we work with a network of verified lenders who comply with all state and federal regulations.

Please keep in mind that TheGuaranteedLoans is not a direct lender and only works as a connector service. This means that we will facilitate your connection with potential lenders, but we do not make any lending decisions or have control over the loan terms and fees.

Thank you for considering TheGuaranteedLoans for your payday loan needs in La Harpe, Kansas. We are committed to providing a reliable and trustworthy service to help you navigate the payday loan process.

F.A.Q.

Are there any restrictions on how payday loan lenders in La Harpe, Kansas can advertise their services?

Yes, payday loan lenders in La Harpe, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.

Can payday loan lenders in La Harpe, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in La Harpe, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.