Payday Loans in Lake City, Kansas

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

Company nameAddressZip codePhone number
FNBO - First National Bank of Omaha 9700 Metcalf Ave, Overland Park, KS 66212 +1 (913) 266 - 7100
Arvest Bank 2313 S Rouse St, Pittsburg, KS 66762 +1 (620) 231 - 2320
Commerce Bank 512 N 7th St, Garden City, KS 67846 +1 (620) 276 - 5600
Cash Fast Inc 415 S Kansas Ave, Liberal, KS 67901 +1 (620) 626 - 5161
Commerce Bank 1301 Jayhawk Blvd, Lawrence, KS 66045 +1 (816) 234 - 2250
U.S. Bank ATM - Southeast Kansas 1600 E 23rd St, Lawrence, KS 66046 +1 (800) 872 - 2657
Bank of the West 19 N Humbolt Ave, Ellinwood, KS 67526 +1 (620) 564 - 2900
Alden State Bank 201 Pioneer St, Alden, KS 67512 +1 (620) 534 - 2135
Speedy Cash 2027 SW Fairlawn Rd, Topeka, KS 66604 +1 (785) 271 - 2362
UMB Bank with drive-thru services 400 N Broadway St, Abilene, KS 67410 +1 (785) 263 - 1130

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lake City, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loan for Salina, KS, No Credit Check Loans in Shawnee, KS, Payday Loan Companies in Topeka, KS and Payday Loans in Wichita, 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 Lake City, KS.

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

67071

Are Payday Loans Legal In Lake City, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Lake City, 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 Lake City, 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

Lake City, KS payday loan calculator

Payday Loans in Lake City, Kansas – All You Need to Know

Payday loans, also known as cash advances, are a popular financing option for many individuals who need quick access to cash. In Lake City, Kansas, payday loans are legal, and for many individuals, they are a necessary financial tool.

In this article, we’ll discuss everything you need to know about payday loans in Lake City, Kansas. We’ll cover the basics of payday loans, including how they work, how to apply for one, and what to expect in terms of repayment. We’ll also highlight some interesting facts and statistics about payday lending in Kansas and provide an ‘Apply Now’ section so you can begin the loan application process today.

What are Payday Loans?

A payday loan is a short-term loan that’s usually due on your next payday. These loans typically range from $100-$1,000 and are designed to help you cover unexpected or emergency expenses, such as car repairs or medical bills.

To apply for a payday loan in Lake City, Kansas, you must be at least 18 years old, have a valid government-issued ID, a steady source of income, and an active checking account. The application process is simple and typically only takes a few minutes to complete.

How to Apply for a Payday Loan in Lake City, Kansas

Applying for a payday loan in Lake City, Kansas is straightforward. You can either apply online or visit a local lender’s storefront. To apply online, simply visit TheGuaranteedLoans website and fill out our online application form. The application process takes only a few minutes, and you can typically find out if you’ve been approved within minutes.

If you prefer to visit a storefront lender, many payday loan companies in Lake City, Kansas have physical locations where you can apply in person. To apply, bring your ID, proof of income, and a blank check from your checking account.

What to Expect in Terms of Repayment

When you take out a payday loan, the lender will typically require that you repay the loan in full on your next payday. If you can’t repay the loan in full, the lender may offer you an extension, but this will come with additional fees and interest charges.

It’s essential to repay your payday loan on time to avoid additional fees and charges. Failure to repay your loan can result in negative credit reporting, collection calls, and even legal action.

Interesting Facts and Statistics about Payday Loans in Lake City, Kansas

  • Since payday lending was legalized in Kansas in 1993, there has been a steady increase in the number of payday lenders operating in the state.
  • In 2019, there were approximately 326 payday lenders operating in Kansas.
  • According to a 2019 report from the Consumer Financial Protection Bureau, Kansas residents borrowed $284 million in payday loans in 2018.
  • The average payday loan in Kansas is $306, with an average term of 15 days.

Apply Now!

Now that you know everything about payday loans in Lake City, Kansas, it’s time to apply! Remember, TheGuaranteedLoans is a connector service, and we’ll help you find the right lender for your needs. Simply visit our website and fill out our online application form.

Whether you need cash to cover an unexpected bill or want to avoid overdraft fees, a payday loan may be the solution. Apply today and get the money you need in your bank account quickly!

F.A.Q.

Are there any resources available to help me avoid taking out a payday loan in Lake City, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Lake City, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.

What are payday loans in Lake City, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.