Payday Loans in Natoma, Kansas

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

Company nameAddressZip codePhone number
Mike's Rent To Own 521 N Main St, Newton, KS 67114 +1 (316) 283 - 6270
United States Postal Service 22 Public Sq, Blue Rapids, KS 66411 +1 (800) 275 - 8777
Emprise Bank 201 E Kansas Ave, McPherson, KS 67460 +1 (620) 241 - 7113
Meade County Title Co., Inc. 121 E Carthage St, Meade, KS 67864 +1 (620) 873 - 2421
Jabara's Check Cashing 4703 E 13th St N, Wichita, KS 67208 +1 (316) 684 - 2855
Commerce Bank 2740 Claflin Rd, Manhattan, KS 66502 +1 (785) 537 - 1234
Central Bank 405 E Nelson St, Edgerton, KS 66021 +1 (913) 856 - 1070
Check Into Cash 2830 N Broadway, Pittsburg, KS 66762 +1 (620) 231 - 5993
Waddell & Reed, Inc. - Financial Advisors 1327 18th St, Belleville, KS 66935 +1 (785) 527 - 7133
Citizens State Bank & Trust Co 402 1st St, Reading, KS 66868 +1 (620) 699 - 3900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Natoma, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Kansas City, KS, 24-Hour Loan in Lawrence, KS, Payday Loan Without a Credit Check in Leavenworth, KS, Quick Loan in Leawood, KS, Payday Loans in Lenexa, KS, Bad Credit Loans in Manhattan, KS, Payday Loans in Olathe, KS and Guaranteed Loans in Overland Park, 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 Natoma, KS.

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

67651

Are Payday Loans Legal In Natoma, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Natoma, 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 Natoma, 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

Natoma, KS payday loan calculator

Advise to read before applying

What Are Payday Loans in Natoma, Kansas?

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. These loans are designed to be used for emergency expenses, such as unexpected car repairs or medical bills. Payday loans are legal in the state of Kansas, including Natoma.

While payday loans may seem like a quick and convenient solution to financial emergencies, they can come with high fees and interest rates. It is important to fully understand the terms and conditions of the loan before agreeing to it.

How Do Payday Loans Work in Natoma, Kansas?

In Natoma, Kansas, payday loan lenders typically require borrowers to provide proof of income and a valid ID. The borrower writes a post-dated check for the loan amount plus fees, which will be cashed by the lender on the borrower’s next payday.

Alternatively, the borrower may authorize the lender to withdraw the funds from their bank account on the due date. If the borrower is unable to repay the loan in full on the due date, they may be able to roll over the loan by paying additional fees.

What Are the Requirements for Getting a Payday Loan in Natoma, Kansas?

To qualify for a payday loan in Natoma, Kansas, borrowers must be at least 18 years old and have a steady source of income. They must also provide a valid ID and proof of residency. Some payday lenders in Natoma may perform a credit check, while others will not.

What Are the Pros and Cons of Payday Loans in Natoma, Kansas?

Pros

  • Quick and easy application process
  • No credit check required in some cases
  • Can be a solution to unexpected expenses

Cons

  • High fees and interest rates
  • Can lead to a cycle of debt if not repaid on time
  • May require access to the borrower’s bank account

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. Our online application process is quick and easy, and we work with a network of reputable lenders in Natoma, Kansas. We are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

To apply for a payday loan in Natoma, Kansas, fill out our online application today. We will match you with a lender who meets your financial needs and requirements.

Interesting Facts and Statistics About Payday Loans in Natoma, Kansas

  • The average payday loan in Kansas is $255, with an average interest rate of 391%.
  • In 2019, there were over 300,000 payday loan transactions in Kansas, totaling over $267 million.
  • Natoma, Kansas has a population of approximately 300 people.
  • According to a survey conducted by the Kansas Office of the State Bank Commissioner, 76% of payday loan borrowers in Kansas had annual incomes of less than $30,000.

Conclusion

Payday loans can be a quick and convenient solution to unexpected expenses, but they come with high fees and interest rates. It is important to fully understand the terms and conditions of the loan before agreeing to it. At TheGuaranteedLoans, we are committed to providing our clients with access to reputable lenders in Natoma, Kansas. Fill out our online application today to get started.

F.A.Q.

Are there any alternatives to payday loans in Natoma, Kansas?

Yes, there are several alternatives to payday loans in Natoma, Kansas, including borrowing from friends or family, using credit cards, or applying for a personal loan from a bank or credit union.

What are the risks of taking out a payday loan in Natoma, Kansas?

Payday loans in Natoma, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.

Look for Short-Term Loans in Other Cities:

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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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