Payday Loans in Longton, Kansas

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

Company nameAddressZip codePhone number
Hartford State Bank 208 Commercial St, Hartford, KS 66854 +1 (620) 392 - 5541
First National Bank & Trust 225 State St, Phillipsburg, KS 67661 +1 (785) 543 - 6511
Armed Forces Bank 5303 Ashby Ave Bldg 5303, Fort Riley, KS 66442 +1 (816) 412 - 1814
Hutchinson Postal & Community CU 2306 N Main St, Hutchinson, KS 67502 +1 (620) 662 - 8050
Check Into Cash 13314 W 87th Street, Parkway, Lenexa, KS 66215 +1 (913) 307 - 0898
Bank of Greeley 118 W Brown Ave, Greeley, KS 66033 +1 (785) 867 - 2010
Central National Bank ATM 231 E Main St, Marion, KS 66861 +1 (888) 262 - 5456
Conway Bank 124 E Spring Ave, Conway Springs, KS 67031 +1 (620) 456 - 2255
Commerce Bank 600 N Rock Rd, Derby, KS 67037 +1 (316) 261 - 3600
Speedy Cash 701 N West St, Wichita, KS 67203 +1 (316) 942 - 2211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Longton, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Payday Loan Companies in Salina, KS, No Credit Check Loans in Shawnee, KS, Payday Loan for Topeka, KS, No Credit Check Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Short-term Loans in Kansas City, KS and Payday Loan Companies in Lawrence, 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 Longton, KS.

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

67352

Are Payday Loans Legal In Longton, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Longton, 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 Longton, 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

Longton, KS payday loan calculator

The Lowdown on Payday Loans in Longton, Kansas

Payday loans are a fast and convenient way to get access to cash when you need it the most. These short-term loans are typically used to cover unexpected expenses or emergencies, such as car repairs, medical bills, or rent. If you find yourself in a tight financial spot in Longton, Kansas, a payday loan may be an option worth considering.

How Payday Loans Work in Longton, Kansas

Payday loans are legal in the state of Kansas, including Longton. The process of obtaining a payday loan is straightforward:

  • You visit a payday loan lender or apply online.
  • You provide proof of income, such as a pay stub or bank statement.
  • You provide identification, such as a driver’s license or state ID.
  • You write a post-dated check for the loan amount plus fees or authorize the lender to withdraw the repayment amount from your bank account on your next payday.
  • You receive the loan funds, which are typically available to you within 24 to 48 hours.

Keep in mind that payday loans come with high interest rates and fees. In Kansas, payday lenders are allowed to charge up to 15% on loans of up to $500. For loans over $500, lenders can charge an additional fee of $5 on every $100 borrowed. This means that a $100 loan with a 15% fee would require a repayment of $115 on the due date.

Understanding the Risks of Payday Loans

While payday loans can be helpful in a pinch, they also come with risks. For example, if you’re unable to repay your loan on time, the lender can charge additional fees and interest, leading to a cycle of debt. In fact, research from the Consumer Financial Protection Bureau (CFPB) found that the majority of payday loan borrowers end up renewing or rolling over their loans multiple times, which can result in spending more in fees and interest than the amount borrowed.

It’s important to carefully consider whether a payday loan is the best option for your situation. If you can’t afford to repay the loan on time or if you’re already struggling with debt, it may be better to explore alternative options, such as personal loans or credit counseling.

The Benefits of Using TheGuaranteedLoans

At TheGuaranteedLoans, we understand that finding the right lender can be a stressful and time-consuming process. That’s why we offer a convenient loan connector service to help you find a lender who meets your needs.

By filling out our online application, you can quickly get connected with multiple lenders in Longton, Kansas. Our network of lenders offers a variety of loan options, including payday loans, personal loans, and installment loans. Best of all, our service is completely free to use!

If you’re approved for a loan, you’ll be connected directly with a lender who will provide you with the loan terms and conditions. You’ll be able to review these terms carefully and decide whether or not to accept the loan offer.

Applying for a Loan is Easy

To apply for a loan through TheGuaranteedLoans, simply follow these steps:

  • Fill out our online application, which should only take a few minutes to complete.
  • Receive offers from our network of lenders.
  • Choose the loan offer that works best for you.
  • Review the loan terms and conditions and sign the agreement if you decide to accept the loan.
  • Receive your funds in as little as 24-48 hours.

Interesting Facts and Statistics about Payday Loans in Longton, Kansas

  • As of 2021, there were over 320 payday loan storefronts in Kansas, and more than 100 of these were located in rural areas like Longton.
  • Kansas law prohibits payday loan borrowers from taking out more than two loans at a time or more than three loans within a 30-day period.
  • The average payday loan borrower in Kansas takes out eight loans per year, spending an average of 180 days per year in debt.

The Bottom Line

If you’re considering a payday loan in Longton, Kansas, it’s important to understand the risks involved. While payday loans can be a quick and convenient way to access cash, they also come with high fees and interest rates. Make sure you carefully consider your options and the potential consequences before taking out a loan.

If you decide that a payday loan is right for you, TheGuaranteedLoans can help. Our loan connector service can help you find a lender who meets your needs, so you can get the cash you need without the stress and hassle of searching for lenders on your own. Apply today and get connected with lenders in Longton, Kansas in just a few clicks.

F.A.Q.

How do I qualify for a payday loan in Longton, Kansas?

To qualify for a payday loan in Longton, Kansas, you must be at least 18 years old, have a steady source of income, and have a valid checking account.

How much can I borrow with a payday loan in Longton, Kansas?

The amount you can borrow with a payday loan in Longton, Kansas is typically based on your income and your ability to repay the loan. The maximum amount you can borrow is $500.