Payday Loans in Latham, Kansas

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

Company nameAddressZip codePhone number
Cash 2 Go 1800 E 23rd St, Lawrence, KS 66046 +1 (785) 312 - 9477
BARRI AGENT INSIDE LA LAGUNA LLC 123 W Broadway St, Newton, KS 67114
Fidelity Bank - Revolutsia 2721 E Central Ave Suite 119, Wichita, KS 67214 +1 (800) 658 - 1637
Quik Cash 2304 Stagg Hill Rd Suite A, Manhattan, KS 66502 +1 (785) 539 - 5763
U.S. Bank ATM - Southeast Kansas 1600 E 23rd St, Lawrence, KS 66046 +1 (800) 872 - 2657
American Payday Loans 520 W 6th Ave, Emporia, KS 66801 +1 (620) 342 - 8975
Cash 2 Go 108 Harvest Dr, Louisburg, KS 66053 +1 (913) 837 - 8272
J & L Coins & Jewelry LLC 1203 N Main St, Great Bend, KS 67530 +1 (620) 793 - 6732
First National Bank of Hope 112 N Main St, Hope, KS 67451 +1 (785) 366 - 7225
Loanmax Title Loans 1020 N Main St, Lansing, KS 66043 +1 (913) 686 - 6486

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Latham, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Salina, KS, Short-term Loans in Shawnee, KS, Payday Loan Without a Credit Check in Topeka, KS, Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Same Day Loans in Kansas City, KS, Payday Loans in Lawrence, KS and Same Day Loans in Leavenworth, 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 Latham, KS.

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

67072

Are Payday Loans Legal In Latham, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Latham, 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 Latham, 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

Latham, KS payday loan calculator

Advise to read before applying

Payday Loans in Latham, Kansas: A Comprehensive Guide

Are you in a financial pinch and need quick cash? A payday loan may be the solution you need. In Latham, Kansas, payday loans are legal and can be a useful tool for individuals who require immediate monetary assistance. Read on for more information about payday loans in Latham, and how you can utilize them to aid your financial situation.

What are Payday Loans?

Payday loans are a short-term form of lending that can help you bridge the gap between paydays. They are designed for individuals who need fast access to cash and who are unable to secure a traditional loan or credit line due to a low credit score or other financial challenges. Payday loans are usually due on the borrower’s next payday and typically carry high interest rates.

How Do Payday Loans Work?

In Latham, individuals can obtain payday loans by providing a postdated check or by allowing the lender to debit their bank account. The loan amount, plus the interest and fees, is then deposited into the borrower’s account, and the postdated check is held until the loan is repaid in full.

It’s important to remember that payday loans come with high-interest rates and fees, which can add up quickly if the loan is not repaid on time. If you’re unable to repay the loan on the due date, you may be faced with additional fees and interest charges, which can make it even harder to escape the cycle of debt.

Payday Loans in Latham: The Facts

  • Payday loans are legal in Kansas, including Latham. Lenders must comply with the state’s regulations and laws regarding payday loans.
  • Borrowers can apply for loans in-person at brick and mortar stores or online. The application process is typically quick and easy, and you can receive funds within a few hours.
  • Kansas allows borrowers to take out multiple payday loans at once, but the total amount cannot exceed $500.
  • Lenders in Latham must disclose the annual percentage rate (APR) and all fees associated with the loan. The maximum APR in Kansas is 391%, which is much higher than traditional loans or credit cards.

Apply Now

If you’re in need of a payday loan in Latham, Kansas, look no further than TheGuaranteedLoans. As a connector service, we can help you find a lender who can provide the funds you need, regardless of your credit score. Apply now on our website to start the process, and we’ll work with you to find a lender who meets your needs and budget.

It’s important to remember that payday loans are a short-term financial solution. They can be helpful in emergencies but can also lead to increased debt if misused. Be sure to consider all of your options before taking out a payday loan, and be sure to read the terms and conditions of the loan carefully before signing.

Interesting Facts and Statistics About Payday Loans in Latham, Kansas

  • In 2019, the Center for Responsible Lending reported that the average APR for a payday loan in Kansas was 391%. This is among the highest in the nation.
  • According to a study by the Pew Charitable Trusts, more than 12 million Americans take out payday loans each year, totaling approximately $9 billion in fees.
  • In Kansas, borrowers can be charged up to 15% of the loan amount in fees, which can quickly add up if the loan is not repaid on time.

Overall, payday loans can be a useful tool for individuals in need of immediate financial assistance. However, it’s important to use them responsibly and to fully understand the terms and conditions of the loan before signing. Apply for a payday loan through TheGuaranteedLoans, and let us help you find a lender who can meet your needs today.

F.A.Q.

Can a payday lender take legal action against me in Latham, Kansas if I default on my loan?

Yes, if you default on your payday loan in Latham, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.

Can a payday lender garnish my wages in Latham, Kansas if I default on my loan?

Yes, if you default on your payday loan in Latham, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.

Look for Short-Term Loans in Other Cities:

Hutchinson Kansas City Lawrence Leavenworth Leawood Lenexa Manhattan Olathe Overland Park Salina Shawnee Topeka Wichita
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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