Payday Loans in Niotaze, Kansas

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

Company nameAddressZip codePhone number
Greenwood County Title 206 W 1st St, Eureka, KS 67045 +1 (620) 583 - 6377
Check Into Cash 2348 W Central Ave c, El Dorado, KS 67042 +1 (316) 320 - 9999
Kelly R Drummond Fairway Independent Mortgage Corporation Loan Officer 5640 SW 29th St, Topeka, KS 66614 +1 (785) 379 - 3829
Great Southern Bank 2040 S Princeton St, Ottawa, KS 66067 +1 (785) 242 - 1400
Walmart Money Center 201 Centennial Dr, McPherson, KS 67460 +1 (620) 241 - 0941
Exchange Bank & Trust 712 Kansas Ave, Atchison, KS 66002 +1 (913) 367 - 6000
Argentine Federal Savings 3004 Strong Ave, Kansas City, KS 66106 +1 (913) 831 - 2004
Goppert State Service Bank 120 S Maple St, Garnett, KS 66032 +1 (785) 448 - 2300
CheckSmart 801 SW Topeka Blvd, Topeka, KS 66612 +1 (785) 234 - 6500
Lyndon State Bank 1420401017019020, Topeka, KS 66604 +1 (785) 228 - 1133

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Niotaze, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, Payday Loan for Wichita, KS, Emergency Loan in Hutchinson, KS, Same Day Loans in Kansas City, KS, Payday Loan Without a Credit Check in Lawrence, KS, Quick Loan in Leavenworth, KS, Payday Loans in Leawood, KS and 24-Hour Loan in Lenexa, 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 Niotaze, KS.

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

67355

Are Payday Loans Legal In Niotaze, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Niotaze, 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 Niotaze, 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

Niotaze, KS payday loan calculator

Everything You Need to Know About Payday Loans in Niotaze, Kansas

If you’re in a financial pinch and need some quick cash, payday loans might seem like an appealing option. Particularly if you live in Niotaze, Kansas where short-term loans are legal. However, before you take the plunge, it’s important to understand the ins and outs of how payday loans work and what you need to know about them. In this article, we’ll explore everything you need to know about payday loans in Niotaze.

What Is a Payday Loan?

At its core, a payday loan is a small, short-term loan designed to help people bridge the gap between paychecks. These loans are usually due on the borrower’s next payday or within a short period of time.

Payday loans are readily available from numerous lenders, and the amount of money you can borrow varies from lender to lender. Typically, payday loans are small, ranging from a few hundred dollars to a few thousand, and feature relatively short repayment terms.

Like any loan, payday loans come with interest rates and fees, and it’s essential that you understand these charges before applying for a loan. In Niotaze, Kansas, the legal maximum interest rate for payday loans is 391% APR.

The Pros and Cons of Payday Loans

While payday loans can seem like a lifesaver to those in desperate need of cash, they’re not without their downsides. Like any financial product, payday loans have their pros and cons.

Pros:

  • Quick cash: payday loans are one of the fastest ways to get money in a pinch, often providing same-day or next-day funding
  • No credit check required: payday loan lenders don’t typically conduct credit checks, which can make them a good option for people with poor credit or no credit history at all

Cons:

  • High interest rates: payday loans come with extraordinarily high interest rates, often exceeding 400% APR in some states
  • Short repayment timelines: borrowers have only a short period of time to pay back the loan, which can lead to rollovers and extended repayment terms (with additional fees)
  • Risk of predatory lending: some unscrupulous lenders prey on vulnerable borrowers, charging exorbitant fees and saddling them with debt they can’t realistically repay

Interesting Facts about Payday Loans in Niotaze, Kansas

In Kansas, payday loans are legal and regulated by state law. While there are specific rules and regulations surrounding payday lending, it is not prohibited by law.

In the state of Kansas, there is a maximum loan limit of $500. Additionally, borrowers are limited to one loan at a time, and lenders are required to verify borrowers’ income and employment before extending credit.

According to a report from the Consumer Financial Protection Bureau, around 12 million Americans use payday loans each year, with an average loan size of $350 and an average repayment term of two weeks.

Apply Now!

If you’re in need of a payday loan in Niotaze, Kansas, TheGuaranteedLoans can help. We’re a trusted financial resource that can connect you with lenders who can provide short-term loans tailored to your needs.

Applying is easy and straightforward, with an online application process that takes only a few minutes to complete. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we’re committed to finding you the best loan options available.

In conclusion

Payday loans in Niotaze, Kansas can provide a short-term solution for those in need of quick cash, but they’re not without their drawbacks. Before taking out a payday loan, it’s essential that you understand the terms, interest rates, and fees associated with the loan. Remember, payday loans are a stop-gap measure and shouldn’t be relied upon as a long-term financial solution.

F.A.Q.

How do I qualify for a payday loan in Niotaze, Kansas?

To qualify for a payday loan in Niotaze, Kansas, you must be at least 18 years old, have a steady source of income, and have a valid checking account.

How much can I borrow with a payday loan in Niotaze, Kansas?

The amount you can borrow with a payday loan in Niotaze, Kansas is typically based on your income and your ability to repay the loan. The maximum amount you can borrow is $500.