Payday Loans in Mount Hope, Kansas

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

Company nameAddressZip codePhone number
Waddell & Reed, Inc. - Financial Advisors 114 Center Ave, Oakley, KS 67748 +1 (785) 672 - 3143
First Bank Kansas 1500 Aylward Ave, Ellsworth, KS 67439 +1 (785) 472 - 5588
Altamont Bank 2121 Main St, Parsons, KS 67357 +1 (620) 423 - 1211
State Farm Insurance 220 W Walnut St 2, Herington, KS 67449 +1 (785) 258 - 2203
Washington County Tax & Accounting 201 C St, Washington, KS 66968 +1 (785) 325 - 2061
Anderson County Abstract Co 109 E 4th Ave, Garnett, KS 66032 +1 (785) 448 - 2426
Money Zone 126 Grant Ave, Junction City, KS 66441 +1 (785) 223 - 5560
The Community Bank 2320 N Kansas Ave, Liberal, KS 67901 +1 (620) 624 - 0462
Citizens State Bank 32 Main St, Hamilton, KS 66853 +1 (620) 678 - 3310
Walmart Money Center 3201 N 16th St, Parsons, KS 67357 +1 (620) 421 - 0375

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mount Hope, KS, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Hutchinson, KS, No Credit Check Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Online Loans in Leawood, KS, Payday Loan Without a Credit Check in Lenexa, KS, Payday Loans in Manhattan, KS and No Credit Check Loans 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 Mount Hope, KS.

Beautiful sights of Mount Hope, KS

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

67108

Are Payday Loans Legal In Mount Hope, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Mount Hope, 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 Mount Hope, 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

Mount Hope, KS payday loan calculator

What are Payday loans?

Payday loans are short-term loans that help individuals cover unexpected expenses until their next payday. These loans are generally small, ranging from $50 to $1,000, and are due to be repaid on the borrower’s next payday or within a few weeks.

What are Payday loans used for?

Payday loans can be used for a variety of expenses, such as medical bills, car repairs, or home repairs. They are designed to help individuals get through unexpected financial emergencies until they receive their next paycheck.

Payday Loans in Mount Hope, Kansas

Payday loans are legal in the state of Kansas, including Mount Hope. These loans are regulated by the Kansas Office of the State Bank Commissioner, which oversees all payday lending in the state.

How do Payday Loans in Mount Hope work?

To obtain a payday loan in Mount Hope, individuals must be at least 18 years old and have a steady income. They will need to provide proof of income, such as a recent pay stub, and a valid government-issued ID. The amount of the loan, fees, and repayment terms will be disclosed in the loan agreement.

Once approved, funds will be deposited into the borrower’s bank account within one business day, depending on the lender’s processing time. Repayment terms may vary depending on the lender, but typically must be repaid in full within two to four weeks.

Payday Loan Fees

The cost of a payday loan in Mount Hope includes both interest and fees. The maximum interest rate that lenders can charge is 15% on loans up to $500 and 10% on loans between $500 and $1,000. Additionally, lenders can charge a fee of up to $15 for every $100 borrowed. Therefore, on a $500 loan, the total fees and interest charged would be $75, for a total repayment of $575.

Interesting facts and statistics about payday loans in Mount Hope, Kansas

  • The average payday loan amount issued in Kansas is $300.
  • As of 2021, there were over 300 licensed payday lenders in Kansas.
  • Kansas law requires all payday lenders to disclose the loan’s full cost, including all fees and interest charged. This disclosure must be printed on the loan agreement.

Apply Now

If you’re in need of a payday loan in Mount Hope, Kansas, TheGuaranteedLoans can connect you with potential lenders. Our online application process is easy and can be completed in just a few minutes.

Remember that TheGuaranteedLoans is a connector service and not a direct lender. We facilitate connections between borrowers and potential lenders. We encourage borrowers to read and understand all loan terms and conditions before accepting a loan.

Conclusion

Payday loans can be a helpful resource for individuals in need of quick cash to cover unexpected expenses. However, they also carry high interest rates and fees, so borrowers should carefully consider their ability to repay any loan before taking one out.

If you’re considering a payday loan in Mount Hope, Kansas, make sure you understand all loan terms and fees and do your research to find a reputable lender. And remember, TheGuaranteedLoans can help connect you with potential lenders and simplify the loan application process.

F.A.Q.

Can payday loan lenders in Mount Hope, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in Mount Hope, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.

Can I file for bankruptcy to discharge my payday loan debt in Mount Hope, Kansas?

Yes, you can file for bankruptcy to discharge your payday loan debt in Mount Hope, Kansas. However, keep in mind that bankruptcy is a serious decision that can have long-term consequences on your credit and financial situation. It is recommended to explore all other options before considering bankruptcy.