Payday Loans in Nashville, Kansas

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

Company nameAddressZip codePhone number
Check `n Go 405 Windward Dr, Newton, KS 67114 +1 (316) 283 - 8472
Finance Office 210 Custer Ave, Fort Riley, KS 66442 +1 (785) 239 - 6188
Life Loans 6709 W 119th St, Overland Park, KS 66209 +1 (866) 829 - 4551
Chetopa State Bank & Trust Co 409 Maple St, Chetopa, KS 67336 +1 (620) 236 - 7277
Title & Payday Loans 107 W Cherry St, Chanute, KS 66720
First National Bank 908 N Main St, Garden City, KS 67846 +1 (620) 276 - 6971
Hometown Auto Credit LLC 425 E Main St, Osawatomie, KS 66064 +1 (913) 256 - 3000
Stifel 4910 Corporate Centre Dr STE 104, Lawrence, KS 66047 +1 (785) 842 - 7800
Labette Bank 2805 N Broadway, Pittsburg, KS 66762 +1 (620) 230 - 0300
Republic County Title Company 1332 19th St, Belleville, KS 66935

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Nashville, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manhattan, KS, Same Day Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loan Companies in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loan Without a Credit Check in Wichita, KS and Payday Loans in Hutchinson, 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 Nashville, KS.

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

67112

Are Payday Loans Legal In Nashville, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Nashville, 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 Nashville, 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

Nashville, KS payday loan calculator

Advise to read before applying

Understanding Payday Loans in Nashville, Kansas

Payday loans are a popular option for individuals in need of a quick financial boost. These short-term loans have become increasingly popular due to their easy accessibility and quick disbursement time. In Tennessee, payday loans are legal, and Nashville is no exception.

However, as with any financial decision, it’s essential to understand the terms of these loans fully and the potential consequences of not paying them back promptly.

How do Payday Loans in Nashville, Kansas Work?

Payday loans are a type of short-term loan that typically ranges from $100 to $500. These loans have an average repayment term of two weeks and are designed to be repaid in full when the borrower’s next paycheck arrives.

When individuals apply for a payday loan, they provide lenders with proof of income, a valid ID, and a post-dated check for the loan amount plus interest and fees. If approved, lenders will disburse the loan amount directly to the borrower’s bank account or in cash. In Tennessee, payday loan lenders may charge up to 15% interest on the loan amount per $100 borrowed, plus a $15 maximum finance charge.

For example, if an individual borrows $100, they will need to pay back $115 plus a $15 finance charge for a total of $130 due in two weeks. Failure to repay the loan on time will result in additional fees and interest charges.

The Pros and Cons of Payday Loans in Nashville, Kansas

While payday loans can provide short-term financial relief, they also come with their fair share of risks and drawbacks.

Pros

  • Quick access to funds: Payday loan lenders typically disburse the loan amount on the same day, making them a useful option for those in need of immediate funds.
  • Easy eligibility criteria: Payday loan lenders generally require proof of income and a valid ID, making it easier to qualify for a loan compared to traditional bank loans.
  • No credit check: Unlike traditional bank loans, payday loan lenders do not conduct credit checks, making it an option for those with poor or bad credit scores.

Cons

  • High-interest rates and fees: Payday loan lenders charge high-interest rates and fees, making the cost of borrowing expensive in the long run.
  • Debt trap: Payday loans are designed to be repaid in full when the borrower’s next paycheck arrives. However, if borrowers cannot repay the loan amount in time, they may incur additional fees and interest charges, leading to a cycle of debt.
  • Legal consequences: Failure to repay a payday loan in time can result in legal consequences, including wage garnishment, bank account seizure, and court proceedings.

Interesting Facts and Statistics about Payday Loans in Nashville, Kansas

  • According to the Consumer Financial Protection Bureau, the average payday loan interest rate in Kansas is an alarming 391%.
  • In 2020, Tennessee payday loan borrowers borrowed an average of $490, according to a report by the Center for Responsible Lending.
  • From 2012-2017, payday loan borrowers in Tennessee paid over $426 million in fees, according to a study by the Center for Responsible Lending.

Apply Now with TheGuaranteedLoans

If you are considering a payday loan in Nashville, Kansas, and are looking for a lender, TheGuaranteedLoans can help. As a connector service, we match potential borrowers with lenders who may provide them with the loan they need. Our online application process is simple, and you may receive a decision in minutes.

However, it’s essential to remember that you are responsible for understanding the terms of your loan fully. Borrow only what you can afford to repay to avoid getting caught in a cycle of debt.

Apply now and take the first step towards securing the financial assistance you need.

F.A.Q.

Are payday loans in Nashville, Kansas regulated?

Yes, payday loans in Nashville, Kansas are regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to follow specific rules and regulations, including maximum interest rates and fees.

Can I renew or extend my payday loan in Nashville, Kansas?

in Nashville, Kansas, payday loans cannot be renewed or extended. If you are unable to repay your loan on the agreed upon date, you may be able to work with the lender to come up with a repayment plan.

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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