Payday Loans in Liberty, Kansas

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

Company nameAddressZip codePhone number
Farm Bureau Financial Services: JJ Edwards 109 N State St, Yates Center, KS 66783 +1 (620) 625 - 2345
Bank of Tescott 2040 S Ohio St, Salina, KS 67401 +1 (785) 452 - 9975
Bank of Whitewater 126 S Main St, Whitewater, KS 67154 +1 (316) 799 - 2137
Money Concepts 109 N Main St 205, McPherson, KS 67460 +1 (620) 241 - 0776
Perfect Payday Loan 6709 W 119th St, Overland Park, KS 66209 +1 (866) 829 - 4551
BTI Bucklin 115 W Railroad St, Bucklin, KS 67834 +1 (620) 826 - 3271
The Stock Exchange Bank 401 North Summit, 106 W Spruce Ave, Arkansas City, KS 67005 +1 (620) 442 - 2400
Great Southern Bank 22330 S Harrison St, Spring Hill, KS 66083 +1 (913) 592 - 4242
Farmers National Bank 759 State St, Phillipsburg, KS 67661 +1 (785) 543 - 6541
Auto Choices L.L.C. 1306 E 8th St, Hays, KS 67601 +1 (785) 621 - 2645

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Liberty, KS, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Manhattan, KS, Payday Loan Without a Credit Check in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loans in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loan Companies in Wichita, KS and Payday Loans in Hutchinson, 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 Liberty, KS.

Beautiful sights of Liberty, KS

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

67351

Are Payday Loans Legal In Liberty, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Liberty, 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 Liberty, 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

Liberty, KS payday loan calculator

Payday Loans in Liberty, Kansas: An Overview

If you find yourself in a financial bind and need quick cash, a payday loan might be a viable solution. Payday loans are short-term, unsecured loans with high interest rates that are designed to be repaid on or before the borrower’s next payday. They are an option for people without access to traditional bank loans, either because of bad credit or a lack of collateral, and can help cover unexpected expenses or emergency bills.

Legal Landscape of Payday Loans in Liberty, Kansas

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. The state has set limits on the amount a borrower can take out at one time and the maximum interest rate a lender can charge.

Payday loans in Kansas are limited to a maximum of $500, and lenders cannot charge more than 15% in interest and fees. This means that for a $100 loan, the maximum fee a lender can charge is $15. Lenders are not allowed to rollover or renew a loan, and the borrower must pay off the loan in full before taking out another.

It’s important to note that payday loans can be a risky financial decision and should only be used as a last resort. Borrowers should carefully consider the terms and fees of the loan before agreeing to anything. If you’re unsure about whether a payday loan is right for you, consider seeking advice from a financial counselor or credit union before taking out a loan.

How Payday Loans Work in Liberty, Kansas

If you’re considering taking out a payday loan in Liberty, Kansas, here’s what you need to know:

  • The borrower must be at least 18 years of age and have a valid government-issued ID.
  • The borrower must have an active checking account.
  • The borrower must provide proof of income, such as a recent pay stub or bank statement.
  • The borrower must sign a loan agreement and provide a post-dated check or authorize an electronic withdrawal for the loan amount plus fees and interest.

Once approved, the borrower receives the loan amount, minus fees, in their checking account on the same day or the next business day. The loan must be repaid in full on or before the borrower’s next payday, typically within 14 days.

Benefits and Risks of Payday Loans in Liberty, Kansas

Payday loans can provide quick access to cash when needed, but they come with several risks and potentially high costs. Here are some of the benefits and risks of payday loans:

Benefits

  • Quick access to cash
  • No collateral required
  • No credit check required
  • Can help build credit if paid on time

Risks

  • High interest rates and fees
  • Short repayment period
  • Can lead to a cycle of debt if not paid on time
  • Can negatively impact credit score if not paid on time

It’s important to weigh the benefits and risks of payday loans before making a decision. If you’re struggling to make ends meet, consider seeking alternative sources of financial assistance, such as a low-interest personal loan or credit counseling services.

Interesting Facts and Statistics about Payday Loans in Liberty, Kansas

  • As of July 2021, there were over 300 payday loan businesses operating in Kansas.
  • The average payday loan amount in Kansas is $341.
  • Over 80% of payday loans in Kansas are taken out by borrowers who end up taking out seven or more loans in a year.
  • The total amount of payday loans taken out in Kansas in 2020 was over $303 million.

Apply Now

If you’ve decided that a payday loan is right for you, TheGuaranteedLoans can help connect you with potential lenders in Liberty, Kansas. As a connector service, we partner with reputable lenders and facilitate the loan application process. To apply for a payday loan, simply fill out our quick and easy online application form. Remember to carefully read and understand the terms and fees of the loan before accepting any offers.

While payday loans can be a useful tool for short-term financial relief, they should be used with caution and responsibility. Borrowers should make sure they are aware of all the fees and costs involved, and understand the risks associated with taking out a loan before they commit to a payday loan.

F.A.Q.

Can I be arrested for defaulting on a payday loan in Liberty, Kansas?

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

Are there any restrictions on the number of payday loans I can take out in Liberty, Kansas?

Yes, in Liberty, Kansas, you are only allowed to have one outstanding payday loan at a time. This means that you cannot take out multiple payday loans from different lenders at the same time.