Payday Loans in Monument, Kansas

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

Company nameAddressZip codePhone number
Equity Bank 3825 SW 29th St, Topeka, KS 66614 +1 (785) 272 - 5257
KANZA Bank Loan Office 1435 E 30th Ave Ste A, Hutchinson, KS 67502 +1 (620) 259 - 8272
Blue Valley Insurance Agencies Inc. 519 Broadway St, Marysville, KS 66508 +1 (785) 562 - 4310
Pinnacle Bank 1500 N Buckeye Ave, Abilene, KS 67410 +1 (785) 263 - 3207
Advance America 608 Tulip Dr e, Bonner Springs, KS 66012 +1 (913) 441 - 3003
Great Plains Fed Credit Union 510 Northeast Ave, Columbus, KS 66725 +1 (620) 429 - 4688
Great Plains FCU 301 N Alvarado St, Montezuma, KS 67867 +1 (620) 846 - 2203
Check Into Cash 620 N Rock Rd Ste 370, Derby, KS 67037 +1 (316) 789 - 9084
CLA CliftonLarsonAllen 12721 Metcalf Ave Suite 104, Overland Park, KS 66213 +1 (913) 491 - 6655
Bank of McLouth 117 N Union St, McLouth, KS 66054 +1 (913) 796 - 6133

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Monument, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Wichita, KS, 24-Hour Loan in Hutchinson, KS, Payday Loans in Kansas City, KS, Guaranteed Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Payday 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 Monument, KS.

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

67747

Are Payday Loans Legal In Monument, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Monument, 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 Monument, 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

Monument, KS payday loan calculator

Payday Loans in Monument, Kansas – Quick Cash When You Need It Most

Life can be full of unexpected expenses. From car repairs to medical bills, it seems like there’s always something that requires more money than you have. When you need cash fast, payday loans in Monument, Kansas can be a great solution.

Payday loans are short-term loans that are designed to help you bridge the gap until your next paycheck. In Kansas, they are legal and regulated, making them a safer option than many other types of loans.

How Payday Loans in Monument, Kansas Work

Getting a payday loan in Monument, Kansas is quick and easy. All you need to do is fill out an application online or in person at a lender’s office. You’ll need to provide your contact information, employment details, and some information about your income. Once you’re approved, you’ll receive your cash.

It’s important to remember that payday loans are meant to be temporary solutions. They should only be used for short-term financial emergencies. This is because they have high interest rates and fees, which can make them expensive over the long term.

The Benefits of Payday Loans in Monument, Kansas

  • Quick and easy access to cash: Payday loans are designed to provide you with the money you need quickly, often on the same day that you apply.
  • No credit check required: Payday lenders typically don’t check your credit score, which means that you can still get a loan even if you have bad credit.
  • Regulated by the state: In Kansas, payday lenders are regulated by the state government, making them a relatively safe option compared to some other types of loans.

The Risks of Payday Loans in Monument, Kansas

  • High interest rates: Payday loans have higher interest rates than many other types of loans, making them an expensive option over the long term.
  • Short repayment terms: You’ll need to pay back your payday loan within a few weeks, which can be difficult if you’re already struggling financially.
  • Possible cycle of debt: If you’re not able to pay back your payday loan on time, you may need to take out another loan to cover the cost. This can lead to a cycle of debt that can be difficult to escape.

Facts and Statistics About Payday Loans in Monument, Kansas

  • Kansas law: Kansas state law allows for payday loans of up to $500. The repayment term must be between seven and 30 days, and lenders are limited to charging no more than 15% interest on the loan amount.
  • Statewide debt: As of 2019, the average payday loan borrower in Kansas had $327 in debt on their payday loan.
  • National trend: According to the Consumer Financial Protection Bureau, the average payday loan is $350, with an average interest rate of 391%.

Apply Now

If you’re in need of quick cash to cover an unexpected expense, a payday loan in Monument, Kansas may be the right option for you. At TheGuaranteedLoans, we connect borrowers with potential lenders who can provide the funds they need. Fill out our online application to begin the process, and remember that we are a connector service, not a direct lender.

Payday loans can provide a lifeline in a financial emergency, but they do come with risks. Be sure to carefully consider your options before taking out a payday loan, and only borrow what you can afford to pay back. With the right planning and preparation, a payday loan can be a valuable tool in your financial arsenal.

F.A.Q.

Can a payday lender take legal action against me in Monument, Kansas if I default on my loan?

Yes, if you default on your payday loan in Monument, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.

Can a payday lender garnish my wages in Monument, Kansas if I default on my loan?

Yes, if you default on your payday loan in Monument, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.