Payday Loans in New Cambria, Kansas

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

Company nameAddressZip codePhone number
Commercial Bank 108 S McGee St, Caney, KS 67333 +1 (620) 879 - 2122
Farmers State Bank 901 Main St, Pleasanton, KS 66075 +1 (913) 352 - 8437
Patriots Bank 131 E 4th Ave, Garnett, KS 66032 +1 (785) 448 - 3191
ACE Cash Express 701 Central Ave, Kansas City, KS 66101 +1 (913) 281 - 6400
Deborah Becker, Movement Mortgage 545 Columbia Dr Suite 1001, Lawrence, KS 66049 +1 (785) 760 - 2522
Equity Bank 916 Washington St, Ellis, KS 67637 +1 (785) 726 - 3113
Commerce Bank 21800 Midland Dr, Shawnee, KS 66218 +1 (816) 234 - 2250
E Z Loan Payment Center 2850 S Broadway St, Wichita, KS 67216 +1 (316) 524 - 9494
Loanmax Title Loans 600 N Baltimore Ave, Derby, KS 67037 +1 (316) 789 - 7070
Citizens State Bank 428 Neosho St, Burlington, KS 66839 +1 (620) 364 - 8211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in New Cambria, KS, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Lenexa, KS, Payday Loan for Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Emergency Loan in Salina, KS, Payday Loans in Shawnee, KS, Payday Loans in Topeka, KS and Payday Loans in Wichita, 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 New Cambria, KS.

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

67470

Are Payday Loans Legal In New Cambria, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to New Cambria, 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 New Cambria, 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

New Cambria, KS payday loan calculator

Understanding Payday Loans in New Cambria, Kansas

Payday loans are a popular form of short-term financing in New Cambria, Kansas. Many individuals facing a financial emergency turn to payday loans as a way to cover their immediate expenses. In Kansas, payday loans are legal, meaning borrowers can access this type of credit if they meet certain requirements. This guide provides a comprehensive overview of payday loans in New Cambria, Kansas, including how they work, eligibility requirements, and potential risks and benefits.

Payday Loans: How Do They Work?

A payday loan is a type of short-term financing that allows borrowers to access funds quickly. With a payday loan, the borrower typically borrows a small amount of money, which they must repay within a specified period, often two weeks or until their next paycheck. Payday loans are often used to cover unexpected expenses or as a temporary fix when individuals find themselves short of cash before their next paycheck arrives.

Payday loans are typically offered by lenders online or at storefront locations. Borrowers must provide proof of employment or income, a bank account, and other documentation to qualify for a payday loan. Once approved, the lender transfers the funds directly to the borrower’s bank account, often within the same business day. Borrowers must repay the loan, including any interest and fees, within the specified time frame. Failure to repay the loan can result in additional fees and potential legal action on the part of the lender.

Eligibility Requirements for Payday Loans in New Cambria, Kansas

In Kansas, payday loans are legal, but borrowers must meet certain eligibility requirements to qualify. To be eligible for a payday loan in New Cambria, the borrower must:

  • Be at least 18 years of age
  • Be a legal resident of the United States
  • Have a steady source of income or employment
  • Have a checking account in good standing
  • Provide proof of identity and address

Borrowers must also provide a post-dated check or authorize an electronic debit from their bank account for the loan amount, plus any fees and interest. Borrowers are typically required to repay the loan on their next payday, or within a specific period determined by the lender.

Potential Risks and Benefits of Payday Loans in New Cambria, Kansas

Like any form of credit, payday loans come with potential risks and benefits. One benefit of payday loans is they offer fast and convenient access to cash when needed. For individuals facing unexpected expenses or emergencies, a payday loan can be a lifeline. Additionally, payday loans can be easier to qualify for than traditional loans, making them an option for those with poor credit or no credit history.

However, payday loans also come with potential risks. High interest rates and fees can make these loans expensive to repay, especially if the borrower cannot repay the loan within the specified time frame. Additionally, payday loans can create a cycle of debt, as borrowers may need to borrow again to repay the original loan. This can lead to a never-ending cycle of borrowing and repayment.

Facts About Payday Loans in New Cambria, Kansas

  • The maximum loan amount for a payday loan in Kansas is $500.
  • The maximum loan term for a payday loan in Kansas is 30 days.
  • Kansas law mandates that lenders must provide borrowers with a written agreement outlining the terms of the loan, including the repayment schedule and any fees and interest.
  • Borrowers in Kansas are allowed to roll over their payday loans up to three times, but with additional fees and interest.
  • In Kansas, lenders are prohibited from charging more than 15% interest on payday loans.

Apply Now for a Payday Loan in New Cambria, Kansas

If you are in need of a payday loan in New Cambria, Kansas, TheGuaranteedLoans is here to help. We are a trusted connector service connecting individuals with potential payday loan lenders. Our online application process is fast and easy, and we only work with lenders who abide by all state and federal laws governing payday loans. Complete our online application today to get started. Remember to borrow responsibly and only take out a payday loan if you can afford to repay it on time.

F.A.Q.

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

Yes, you can extend or renew your payday loan in New Cambria, Kansas, but keep in mind that this will result in additional fees and interest charges. It is recommended to only consider this option if you are unable to repay the loan on time and have no other options available.

Can I cancel a payday loan in New Cambria, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in New Cambria, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.