Payday Loans in Oneida, Kansas

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

Company nameAddressZip codePhone number
MoneyGram 204 E Parkway Blvd, Liberal, KS 67901 +1 (620) 626 - 7115
Toyota Parts Store - Lewis Toyota 4440 Vine St, Hays, KS 67601 +1 (785) 628 - 3359
Cash Quick Helping Hand 1616 E 11th Ave, Hutchinson, KS 67501 +1 (620) 662 - 8999
Peoples State Bank 521 W Main St, Hill City, KS 67642 +1 (785) 421 - 4127
INTRUST Bank 347 N Old, US-81, Hesston, KS 67062 +1 (620) 327 - 2600
Commerce Bank 600 Park St, Hays, KS 67601 +1 (800) 453 - 2265
Emprise Bank 201 E Kansas Ave, McPherson, KS 67460 +1 (620) 241 - 7113
Lawrence Pawn & Jewelry 2447 W 6th St, Lawrence, KS 66049 +1 (785) 843 - 4344
White Eagle Credit Union 2218 Legion Drive, El Dorado, KS 67042 +1 (316) 321 - 1922
Bank Midwest 316 W Cloud St 5613, Salina, KS 67401 +1 (785) 825 - 2100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oneida, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, No Credit Check Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Bad Credit Loans in Leavenworth, KS, Guaranteed Loans in Leawood, KS and Payday Loan Without a Credit Check 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 Oneida, KS.

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

66522

Are Payday Loans Legal In Oneida, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Oneida, 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 Oneida, 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

Oneida, KS payday loan calculator

Payday Loans in Oneida, Kansas: What You Need to Know

Payday loans are a type of short-term loan that can help you bridge a financial gap between paydays. Some people in Oneida, Kansas turn to payday loans to pay unexpected bills or to cover emergency expenses. Before you decide to get a payday loan, it’s important to understand how it works and what you can expect.

How Payday Loans Work in Oneida, Kansas

In Kansas, payday loans are legal and regulated by the state. This means that you can get a payday loan from a licensed lender, and the lender must follow certain rules and regulations. To get a payday loan in Oneida, Kansas, you must:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Have a steady source of income
  • Have a checking account

When you apply for a payday loan, you must provide the lender with your personal information and proof of income. The lender will use this information to determine how much money you can borrow and what your interest rate will be. Once you agree to the loan terms and sign the contract, the lender will deposit the money into your checking account. You will then be responsible for repaying the loan on your next payday, plus interest and fees.

How Much Can You Borrow?

In Oneida, Kansas, payday loans are typically limited to $500. This means that you cannot borrow more than $500 at one time. Your lender will determine how much you can borrow based on your income and other factors. The interest rate on your payday loan will also be determined by the lender.

What Are the Fees and Interest Rates?

In Kansas, payday lenders are allowed to charge up to 15% interest on loans up to $500. This means that if you borrow $100, you will pay $15 in interest and fees. If you borrow $500, you will pay $75 in interest and fees. The annual percentage rate (APR) on payday loans in Kansas can be as high as 391%. It’s important to remember that a payday loan is a short-term loan, and the interest and fees can add up quickly if you don’t pay it back on time.

What Happens If You Can’t Repay the Loan?

If you can’t repay your payday loan on time, you may be able to get an extension. However, this can be expensive, and you will have to pay additional fees and interest. If you do not pay back your loan, the lender may take legal action against you. This can include garnishing your wages or taking money from your bank account. It’s important to understand the terms of your payday loan and to make sure you can repay it on time.

Interesting Facts About Payday Loans in Oneida, Kansas

  • In 2019, the Kansas Legislature passed a bill that would limit the interest rate on payday loans to 36%. However, the bill has not yet become law.
  • According to a report by the Kansas City Star, payday lenders in Kansas charged an average interest rate of 391% in 2018.
  • In 2019, payday lenders in Kansas made more than 600,000 loans, totaling more than $267 million.

Apply Now

If you need a payday loan in Oneida, Kansas, TheGuaranteedLoans can connect you with potential lenders. We are a connector service, not a direct lender. This means that we will help you find a lender that can meet your needs and provide you with the loan terms and conditions.

To apply for a payday loan, simply fill out our online application form. We will review your application and connect you with potential lenders. You can then compare the loan terms and choose the lender that is right for you.

Remember, a payday loan is a short-term loan that should only be used for emergency expenses. It’s important to borrow only what you can afford to repay and to understand the terms and conditions of your loan. If you have any questions or concerns, our customer service team is here to help.

F.A.Q.

What are payday loans in Oneida, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.

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

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