Payday Loans in New Century, Kansas

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

Company nameAddressZip codePhone number
INTRUST Bank 121 N Washington St, Junction City, KS 66441 +1 (785) 762 - 8700
Walmart Money Center 1701 S Kansas Rd, Newton, KS 67114
LendNation 1401 S 4th St, Leavenworth, KS 66048 +1 (866) 436 - 7124
Coffey County Land Title Co 424 Neosho St, Burlington, KS 66839 +1 (620) 364 - 2440
Citizens State Bank & Trust Co 402 1st St, Reading, KS 66868 +1 (620) 699 - 3900
Cash-2-Go 3112 Anderson Ave, Manhattan, KS 66503 +1 (785) 539 - 8665
First Bank Kansas 1301 N Main St, McPherson, KS 67460 +1 (620) 241 - 8111
Payday Loans 111 E 14th St, Larned, KS 67550 +1 (620) 285 - 0055
Central National Bank ATM 201 Main St, Halstead, KS 67056 +1 (888) 262 - 5456
rabobank 301 S 4th St 120, Manhattan, KS 66502 +1 (855) 731 - 0234

Payday Loan Companies in Nearby Cities

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

Beautiful sights of New Century, KS

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

66031

Are Payday Loans Legal In New Century, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to New Century, 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 Century, 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 Century, KS payday loan calculator

Understanding Payday Loans in New Century, Kansas

Payday loans are a popular financial option for many individuals in need of short-term monetary assistance. In New Century, Kansas, payday loans are legal and readily available. However, it is essential to understand the terms and conditions of a payday loan fully before applying for one.

What Are Payday Loans?

Payday loans are short-term loans that provide a quick influx of cash to help with immediate financial needs. These loans typically range from $100 to $1,000 and are designed to be repaid within two to four weeks. The repayment of the loan is usually due on the borrower’s next payday.

Payday loans are different from traditional bank loans as they do not require a credit check or collateral. Instead, payday loan companies require a paycheck stub or a proof of income, a valid ID, and a checking account.

The Pros and Cons of Payday Loans

Like any financial service, payday loans come with their fair share of pros and cons. Let’s take a closer look at some of the benefits and drawbacks of using payday loans in New Century, Kansas.

Pros

  • Quick and easy access to cash when in a financial bind
  • No credit check or collateral required for approval
  • Convenient online application process

Cons

  • High-interest rates and additional fees compared to traditional loans
  • A cycle of debt may occur if unable to pay back the loan
  • Failure to pay back the loan may result in added fees and damage to credit score

Interesting Facts and Statistics About Payday Loans in New Century, Kansas

  • According to a 2019 report by the Kansas Office of the State Bank Commissioner, there were approximately 671 payday loan businesses in the state of Kansas.
  • The report also found that the average loan size in Kansas was $375, with an average annual interest rate of 391%.
  • Between 2018 and 2019, there was a decline in the total number of payday loans made in Kansas.

Applying for a Payday Loan in New Century, Kansas

If you’ve weighed the pros and cons and have decided that a payday loan is right for you, applying for one is a simple process. TheGuranteedLoans provides a loan connection service specifically for payday loans in New Century.

To apply for a payday loan through TheGuranteedLoans, simply fill out our online application form, and we will connect you with potential lenders who may offer you a loan. It’s important to note that TheGuranteedLoans is not a direct lender and does not provide funds directly to borrowers. Instead, we connect borrowers with potential lenders.

Overall, payday loans can be a helpful option for individuals in need of immediate financial assistance. However, it is crucial to understand the terms and conditions fully and be mindful of the high-interest rates and fees associated with the loan.

F.A.Q.

Are there any restrictions on how payday loan lenders in New Century, Kansas can advertise their services?

Yes, payday loan lenders in New Century, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.

Can payday loan lenders in New Century, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in New Century, 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.