Payday Loans in McCune, Kansas

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

Company nameAddressZip codePhone number
Western Union Lendnation, 1703 W 6th Ave, Emporia, KS 66801 +1 (620) 343 - 2222
American AgCredit 1501 Soule St, Dodge City, KS 67801 +1 (620) 227 - 8211
TitleMax Title Loans 1700 SW Wanamaker Rd, Topeka, KS 66604 +1 (785) 229 - 0965
Check `n Go 1009 W 6th St, Junction City, KS 66441 +1 (785) 223 - 6100
Garden City Teachers Federal Credit Union 1601 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 0131
GNBank 110 N Main St, Bucklin, KS 67834 +1 (620) 826 - 3221
Extra Cash 16011 College Blvd, Shawnee Mission, KS 66219 +1 (913) 310 - 9292
Check n Go 3129A S Seneca St, Wichita, KS 67217 +1 (316) 554 - 8095
Mike's Rent To Own 8542 W Central Ave, Wichita, KS 67212 +1 (316) 681 - 0046
MoneyGram 204 E Parkway Blvd, Liberal, KS 67901 +1 (620) 626 - 7115

Payday Loan Companies in Nearby Cities

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

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

66753

Are Payday Loans Legal In McCune, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to McCune, 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 McCune, 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

McCune, KS payday loan calculator

Understanding Payday Loans in McCune, Kansas

When unexpected financial emergencies occur, many individuals turn to payday loans to get cash quickly. A payday loan is a short-term loan that typically comes with high-interest rates and fees. These loans are designed to be paid back in full on the borrower’s next payday.

Are Payday Loans Legal in Kansas?

Yes, payday loans are legal in Kansas. The Kansas state legislature passed the Kansas Deferred Deposit Transaction Act in 1998, which established rules and regulations for payday lending.

Under this law, payday lenders in Kansas can loan up to $500 to borrowers. The loan term cannot exceed 30 days, and lenders are allowed to charge a maximum fee of 15% of the loan amount. For example, if you borrow $300, the maximum fee that a lender can charge is $45.

How Do Payday Loans Work in McCune, Kansas?

The process of obtaining a payday loan in McCune, Kansas is relatively simple. First, you need to find a payday lender that operates in the state. Then, you will need to provide some basic personal and financial information, including:

  • Your name and address
  • Your Social Security number
  • Your employer’s name and contact information
  • Your monthly income
  • Your bank account information

If you are approved for a loan, the lender will typically deposit the funds directly into your bank account within one business day. When the loan is due, the lender will withdraw the amount borrowed plus the fees from your bank account. If you cannot repay the loan on time, you may be charged additional fees and interest, and the lender may take legal action to collect the debt.

What Are the Pros and Cons of Payday Loans?

Like any financial product, payday loans have both advantages and disadvantages. Here are some of the pros and cons to consider before taking out a payday loan in McCune, Kansas:

Pros:

  • Fast access to cash
  • No credit check required
  • Easy approval process

Cons:

  • High fees and interest rates
  • Short repayment term
  • May trap borrowers in a cycle of debt
  • Can damage credit scores if not repaid on time

Interesting Facts and Statistics About Payday Loans in McCune, Kansas

  • The average payday loan in Kansas is $300
  • There are approximately 352 payday lenders operating in Kansas
  • In 2020, Kansas borrowers took out approximately 646,000 payday loans, with total fees and interest amounting to $114 million
  • According to a survey conducted by the Federal Reserve, 40% of Americans could not cover an unexpected expense of $400 without borrowing money or selling assets

Apply Now for a Payday Loan in McCune, Kansas

If you are facing a financial emergency and need fast cash, TheGuaranteedLoans is here to help. We are a connector service that works with a network of reputable lenders to help you find the best payday loan option for your needs.

Our online application process is quick, easy, and secure. Simply fill out our online form, and we will match you with potential lenders who may be able to help. Please note that we are not a direct lender, and we do not make lending decisions. We are simply here to facilitate your connection with potential lenders.

Don’t let unexpected expenses derail your finances. Apply now for a payday loan in McCune, Kansas, and get the cash you need to stay on track.

F.A.Q.

Can I be denied a payday loan in McCune, Kansas for having bad credit?

No, payday loans in McCune, Kansas are not based on your credit score. However, if you have a history of defaulting on payday loans or other debts, the lender may decide not to extend a loan to you.

Can I be charged with fraud for not being able to repay a payday loan in McCune, Kansas?

No, you cannot be charged with fraud for not being able to repay a payday loan in McCune, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.