Payday Loans in Lancaster, Kansas

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

Company nameAddressZip codePhone number
AAMCO Transmissions & Total Car Care 2490 S Meridian Ave, Wichita, KS 67217 +1 (316) 553 - 5271
Dillons Money Services 1203 N 2nd Ave, Mulvane, KS 67110 +1 (316) 777 - 1159
McPherson Coop Credit Union 1999 S Main St, McPherson, KS 67460 +1 (620) 241 - 9308
Bank of Blue Valley 734 Commercial St, Atchison, KS 66002 +1 (913) 367 - 1130
Capitol Federal Savings Bank 3450 N Maize Rd, Wichita, KS 67205 +1 (316) 689 - 3252
A-OK Pawn Shop Harry and Oliver 1547 Oliver, Wichita, KS 67218 +1 (316) 440 - 7445
Guaranteed Rate - Scott Somerville, NMLS: 269657 4550 W 109th St Suite 140, Overland Park, KS 66211 +1 (913) 406 - 3993
LoanMaster 2502 S Santa Fe Ave, Chanute, KS 66720 +1 (620) 431 - 4438
Western Union Walgreens, 2600 Vine St, Hays, KS 67601 +1 (785) 628 - 1767
American AgCredit 2451 N Kansas Ave, Liberal, KS 67901 +1 (620) 624 - 0171

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lancaster, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Leavenworth, KS, Online Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Guaranteed Loans in Olathe, KS, Payday Loans in Overland Park, KS, Bad Credit 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 Lancaster, KS.

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

66041

Are Payday Loans Legal In Lancaster, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Lancaster, 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 Lancaster, 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

Lancaster, KS payday loan calculator

Payday Loans in Lancaster, Kansas

Are you in need of quick cash to help cover unexpected expenses in Lancaster, Kansas? If so, you may be considering a payday loan. Payday loans are short-term loans that are typically repaid on or before your next payday. While they can provide a quick financial solution, it’s important to understand the details and risks involved before you apply.

How do payday loans work?

When you apply for a payday loan, you’ll typically be required to provide proof of income and a form of identification. You’ll also need to provide access to your bank account so the lender can deposit the funds and withdraw payments when they come due. Once approved, you’ll receive the loan amount – usually a few hundred dollars – and will be required to repay the loan, plus fees and interest, on your next payday.

If you’re unable to repay the loan on your next payday, some lenders may offer the option to rollover the loan, meaning you’ll pay additional fees and interest to extend the repayment period.

What are the risks involved?

Payday loans often come with high fees and interest rates, making them a costly option for borrowing money. In addition, if you’re unable to repay the loan on time, you may face additional fees and interest charges. This can create a cycle of debt that can be difficult to escape from.

It’s important to carefully consider whether a payday loan is the best option for your financial situation. In some cases, there may be alternatives available, such as a personal loan or credit card. These options may offer lower interest rates or more flexible repayment terms.

Interesting Facts and Statistics about Payday Loans in Lancaster, Kansas

  • In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner.
  • The average payday loan in Kansas is $300 and carries an average annual interest rate of 391%.
  • According to a study by the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or followed by another loan within two weeks.
  • In Kansas, borrowers are limited to a loan amount of $500 and can only have two loans outstanding at a time. Lenders are also required to offer borrowers an extended payment plan at no additional cost if the borrower is unable to repay the loan on time.

Apply Now

If you’ve decided that a payday loan is the best option for your financial needs, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application to get started. Keep in mind that we are a connector service, not a direct lender, and will facilitate the connection between you and potential lenders.

Before applying, be sure to carefully review the loan terms and conditions, including fees and interest rates. Make sure you understand the repayment terms and are confident that you’ll be able to repay the loan on time.

It’s also important to remember that payday loans should be used as a short-term financial solution and not as a long-term financial strategy. If you find yourself in a cycle of debt, seek out additional financial resources and support.

At TheGuaranteedLoans, we’re committed to providing valuable, accurate information to help you make informed financial decisions. Contact us today with any questions or for assistance with your loan application process.

F.A.Q.

Can I renew or extend my payday loan in Lancaster, Kansas?

in Lancaster, Kansas, payday loans cannot be renewed or extended. If you are unable to repay your loan on the agreed upon date, you may be able to work with the lender to come up with a repayment plan.

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

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