Payday Loans in Longford, Kansas

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

Company nameAddressZip codePhone number
Community Finance Corporation 401 N Main St, Hutchinson, KS 67501 +1 (620) 664 - 5433
LoanMaster 4007 Parkview Dr C, Pittsburg, KS 66762 +1 (620) 231 - 1647
Security 1st Title 222 E Main St, Marion, KS 66861 +1 (620) 382 - 2130
Sunflower Bank 2710 Anderson Ave, Manhattan, KS 66502 +1 (785) 537 - 0550
Finance Office 210 Custer Ave, Fort Riley, KS 66442 +1 (785) 239 - 6188
Sutton Motor Co 119 E 6th Ave 2, South Hutchinson, KS 67505 +1 (620) 664 - 1159
United States Air Force and Space Force Recruiting Flight Office 250 N Rock Rd Suite 230, Wichita, KS 67206 +1 (316) 559 - 1889
Loanmax Title Loans 1901 Vine St, Hays, KS 67601 +1 (785) 261 - 9169
Thrivent financial 520 S Holland St, Wichita, KS 67209 +1 (316) 729 - 2631
I Do Pay Day Loans 3620 Somerset Dr, Prairie Village, KS 66208 +1 (855) 435 - 2089

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Longford, KS, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Hutchinson, KS, Payday Loans in Kansas City, KS, Short-term Loans in Lawrence, KS, Quick Loan in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS and Payday Loan Companies in Olathe, 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 Longford, KS.

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

67458

Are Payday Loans Legal In Longford, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Longford, 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 Longford, 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

Longford, KS payday loan calculator

Advise to read before applying

Payday Loans in Longford, Kansas: A Comprehensive Guide

If you are currently facing a financial crisis in Longford, Kansas, a payday loan could be a helpful option for you. These loans can offer quick and easy access to cash when you need it most. However, it’s essential to understand how payday loans work, their advantages and risks, and the regulations in Longford, Kansas. In this comprehensive guide, we’ll discuss all of these key points and more.

What is a Payday Loan?

A payday loan is a type of short-term borrowing. It is an unsecured loan that does not require collateral, making it accessible to people who may not qualify for traditional loans. Payday loans are typically used to cover unexpected expenses or bridge the gap between paychecks.

How Do Payday Loans Work?

To apply for a payday loan, you will need to visit a lender, either in-person or online. You will need to provide basic personal and financial information, and the lender will assess your application. If approved, you will receive the funds quickly, often within a day.

In Longford, Kansas, payday loans are legal, and the state regulates the amount of interest that lenders can charge. The maximum loan amount is $500, and the maximum interest rate is 15% of the loan amount. Lenders can charge an additional finance fee of up to $15 per $100 borrowed.

Advantages of Payday Loans

Payday loans can offer several advantages, such as:

  • Quick access to cash
  • Easy application process
  • No collateral required
  • Can improve credit score if repaid on time

Risks of Payday Loans

Although payday loans can be a helpful option in times of need, they also come with some risks. Here are some of the potential risks to consider:

  • High-interest rates and finance charges
  • May lead to a cycle of debt
  • Can be a costly way to borrow money
  • May not be the best solution for long-term financial troubles

It’s essential to understand the risks before taking out a payday loan.

What Happens if You Can’t Repay a Payday Loan?

If you are unable to repay your payday loan on time, the lender may offer you a rollover or renewal option. This allows you to extend the loan term in exchange for additional fees and interest. However, this can lead to a cycle of debt that can be difficult to escape.

If you are unable to repay your payday loan, contact your lender immediately to discuss your options. You may be able to negotiate a repayment plan or seek out other forms of assistance.

Interesting Facts and Statistics about Payday Loans in Longford, Kansas

  • In Kansas, the average payday loan amount is $317
  • Approximately 10% of Kansas residents have used payday loans in the past five years
  • The Kansas Department of Credit Unions regulates payday loans in the state

Apply Now with TheGuaranteedLoans

If you’re considering applying for a payday loan in Longford, Kansas, TheGuaranteedLoans can help. We are a loan-connecting service that can facilitate your connection with potential lenders. We provide a simple and secure online application process, and once approved, you can receive your funds as soon as the next business day. Remember, we are not a direct lender, and we encourage our customers to borrow responsibly.

Conclusion

Payday loans can be a helpful option for those facing financial emergencies. However, it’s important to weigh the advantages and risks carefully. If you decide to apply for a payday loan, make sure you understand the terms and conditions of the loan fully. Remember, payday loans should be used responsibly and as a last resort.

F.A.Q.

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

Yes, there are resources available to help you avoid taking out a payday loan in Longford, 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 Longford, Kansas?

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

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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