Payday Loans in Lebo, Kansas

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

Company nameAddressZip codePhone number
Phillips Lawn Care 909 S National Ave, Fort Scott, KS 66701 +1 (620) 224 - 4827
Citizens Financial 1120 N Main St, El Dorado, KS 67042 +1 (316) 321 - 1591
Pinnacle Bank 401 N Spruce St, Abilene, KS 67410 +1 (785) 263 - 1090
INTRUST Bank 112 7th St, Augusta, KS 67010 +1 (316) 383 - 3340
Payless Payday Loan At Salina 5001 E Country Club Rd, Salina, KS 67401 +1 (785) 825 - 0834
United Bank & Trust 300 4th St, Linn, KS 66953 +1 (785) 348 - 5521
Express Cash 2023 1/2 W 6th Ave, Emporia, KS 66801 +1 (620) 342 - 7800
Meade County Title Co., Inc. 121 E Carthage St, Meade, KS 67864 +1 (620) 873 - 2421
Bank of the West 829 E 30th Ave, Hutchinson, KS 67502 +1 (620) 662 - 1269
MoneyGram 800 N Main St, McPherson, KS 67460 +1 (620) 241 - 4660

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lebo, KS, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, No Credit Check Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Online Loans in Lenexa, KS and Payday Loans 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 Lebo, KS.

Beautiful sights of Lebo, KS

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

66856

Are Payday Loans Legal In Lebo, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Lebo, 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 Lebo, 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

Lebo, KS payday loan calculator

Payday loans are a type of short-term loan that is typically used to help tide over individuals until their next paycheck. They are meant to provide temporary relief from financial challenges that may arise between paychecks.

If you’re in Lebo, Kansas, and need a payday loan, you’re in luck because payday loans are legal in Kansas! However, it’s important to understand the ins and outs of payday loans to ensure you make an informed decision.

How Payday Loans Work

Payday loans are typically offered by lenders who charge a fee for the loan. The borrower writes a post-dated check to the lender for the amount of the loan plus the fee and receives cash in hand or in their bank account. The loan is usually due on the borrower’s next payday, and the lender will cash the post-dated check at that time.

The fees for payday loans can be quite high, with some lenders charging up to $15 for every $100 borrowed. This means that if you borrow $500, you’ll have to pay the lender $575 when the loan comes due. The annual percentage rate (APR) for payday loans can be as high as 391%, making them a very expensive option for borrowing money.

Benefits of Payday Loans

Despite the high fees and interest rates, payday loans can be a useful tool when used responsibly. They are especially helpful in emergency situations when you need cash quickly and can’t wait until your next payday. Payday loans also have a few benefits:

  • They are easy to qualify for since lenders typically only require proof of income and an active bank account.
  • You can apply for them online, making the process quick and convenient.
  • You can use the money however you wish since there are no restrictions on how payday loans can be used.

If you use payday loans responsibly, they can be a lifesaver in times of financial hardship.

Risks of Payday Loans

While payday loans can be helpful in certain situations, they are not without risks. The high fees and interest rates can cause borrowers to become trapped in a cycle of debt that is difficult to escape. Here are some of the risks associated with payday loans:

  • The high fees and interest rates can make it difficult to pay back the loan on time, leading to a cycle of debt.
  • Some lenders may engage in predatory lending practices, such as charging hidden fees or rolling over loans multiple times without the borrower’s consent.
  • If you default on a payday loan, the lender may sue you or send the debt to a collection agency, causing damage to your credit score.

It’s important to carefully consider your options before taking out a payday loan and to ensure that you can repay the loan on time.

Interesting facts about Payday loans in Lebo, Kansas

Did you know that payday loans are legal in Kansas, including in Lebo? According to the Kansas Office of the State Bank Commissioner, there were 326 licensed payday lenders in the state as of 2021. These lenders made over 839,000 loans in 2020, with an average loan amount of $307. The total amount of fees charged by payday lenders in Kansas in 2020 was more than $100 million!

Apply Now

If you’re considering a payday loan in Lebo, Kansas, TheGuaranteedLoans can help connect you with potential lenders in your area. As a connector service, we are not a direct lender, but we work with a network of reputable lenders who can provide you with fast and convenient options for obtaining a payday loan.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application and provide us with some basic information about yourself and your income. We’ll do our best to connect you with a lender who can provide you with the funds you need as quickly as possible.

Conclusion

Payday loans can be a helpful tool in times of financial crisis, but it’s important to use them responsibly and understand the risks involved. If you’re considering a payday loan in Lebo, Kansas, be sure to carefully consider your options and ensure that you can repay the loan on time. And if you need help finding a lender, TheGuaranteedLoans is here to help!

F.A.Q.

Can I be charged with a crime for not repaying a payday loan in Lebo, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Lebo, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

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

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