Payday Loans in Neosho Falls, Kansas

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

Company nameAddressZip codePhone number
Community Finance of Ks Inc 15 E 5th Ave, Hutchinson, KS 67501
United Credit Union 202 S Topeka Ave, Ness City, KS 67560 +1 (785) 798 - 3223
Community Bank of the Midwest 211 E Santa Fe Blvd, Ellinwood, KS 67526 +1 (620) 564 - 3700
Advance America 235 W 23rd St, Ottawa, KS 66067 +1 (785) 242 - 2345
Western Credit Inc 711 Roach St, Salina, KS 67401 +1 (785) 820 - 9626
Loanmax Title Loans 10321 W 75th St, Shawnee, KS 66214 +1 (913) 534 - 8310
Bank of the West 2123 N Maize Rd, Wichita, KS 67212 +1 (316) 729 - 7999
U.S. Bank ATM - 5th & Jackson 434 SW Jackson St, Topeka, KS 66603 +1 (785) 354 - 4050
RCB Bank 305 S Forrest St, Douglass, KS 67039 +1 (316) 747 - 2106
Bob's Pawn Shop East Inc 925 Lincoln, Salina, KS 67401 +1 (785) 825 - 2828

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Neosho Falls, KS, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Leawood, KS, Payday Loan Without a Credit Check in Lenexa, KS, Emergency Loan in Manhattan, KS, Payday Loans in Olathe, KS, Emergency Loan in Overland Park, KS, Payday Loans in Salina, KS, Payday Loan for Shawnee, KS and Payday Loan Without a Credit Check in Topeka, 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 Neosho Falls, KS.

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

66758

Are Payday Loans Legal In Neosho Falls, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Neosho Falls, 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 Neosho Falls, 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

Neosho Falls, KS payday loan calculator

Living paycheck to paycheck can be challenging, causing a lot of stress and anxiety for many people. Unexpected financial emergencies, such as car repairs or unexpected medical bills, can add to the pressure and can be especially difficult when one doesn’t have savings or access to conventional credit. Payday loans – short-term, high-interest loans – can seem like a viable solution to many people’s financial woes. If you live in Neosho Falls, Kansas, you may be wondering what options are available to you.

Payday Loans in Neosho Falls, Kansas: Are They Legal?

Payday loans are legal in Kansas, including Neosho Falls. In Kansas, payday loans are governed by the Kansas Statutes Annotated Section 16a-2-404. This law requires lenders to adhere to certain regulations to protect consumers.

How do payday loans work?

Payday loans are typically small, short-term loans with high-interest rates. They are designed to be repaid in full on the borrower’s next payday. In Kansas, the maximum loan amount is $500, and the repayment term cannot exceed 30 days.

To apply for a payday loan in Neosho Falls, Kansas, you will need to provide the lender with some basic information, such as your name, address, and employment details. The lender will then determine whether you qualify for a loan and, if so, how much you are eligible to borrow. If you are approved, the funds will typically be deposited into your bank account within 24 hours.

What are the pros and cons of payday loans?

Like any financial product, payday loans have both advantages and disadvantages. One of the biggest advantages of payday loans is that they are easy to access. As long as you have a steady income and a bank account, you may be able to get approved for a loan quickly.

However, payday loans come with very high-interest rates, often ranging from 400% to 700%. This means that if you borrow $500, you could end up owing $575 or more in just two weeks. Additionally, if you are unable to repay the loan on time, the lender can charge high fees and interest rates, which can make it difficult to get out of debt.

What are the alternatives to payday loans?

If you are considering a payday loan in Neosho Falls, Kansas, there are alternatives you can explore. One option is to consider a traditional personal loan from a bank or credit union. These loans typically have lower interest rates and longer repayment terms, making them a more affordable option for some borrowers.

Another option is to seek assistance from local community organizations, such as non-profit credit counseling services. These organizations may be able to help you develop a budget and find ways to improve your financial situation without a loan.

Interesting Facts About Payday Loans in Neosho Falls, Kansas

  • Kansas is one of only a few states that allow payday lending.
  • In Kansas, annual percentage rates (APRs) on payday loans can be as high as 391%.
  • The average payday loan borrower in Kansas takes out 7 loans per year, with a total loan amount of $3,047.

Apply Now for a Payday Loan in Neosho Falls, Kansas

If you have decided that a payday loan is the best option for you, TheGuaranteedLoans can help you connect with potential lenders. To get started, simply fill out our online application form. Please note that TheGuaranteedLoans is not a direct lender, but rather a connector service. We work with a network of lenders to help our clients find the best possible loan options for their specific needs.

Remember, payday loans should only be used as a last resort and should be repaid in full as quickly as possible to avoid high interest and fees. Always make sure to read and understand the loan terms before accepting any loan offers.

F.A.Q.

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

No, payday loans in Neosho Falls, 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 Neosho Falls, Kansas?

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