Payday Loans in Ozawkie, Kansas

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

Company nameAddressZip codePhone number
Equity Bank 10222 W Central Ave, Wichita, KS 67212 +1 (316) 721 - 1776
US Civil Services Credit Union 702 N Locust St, Pittsburg, KS 66762 +1 (620) 231 - 4160
Provident Funding 10880 Benson Dr, Overland Park, KS 66210 +1 (913) 451 - 3718
Money Mart 8035 State Ave, Kansas City, KS 66112 +1 (913) 334 - 4411
Paycheck Advance 7008 W 83rd St, Overland Park, KS 66204 +1 (913) 341 - 3400
Citizens State Bank & Trust Co 203 N Douglas Ave, Ellsworth, KS 67439 +1 (785) 472 - 3141
Lincoln Financial Advisors 241 S Hillsdale Dr, Wichita, KS 67230 +1 (316) 685 - 5311
Citizens Bank & Trust 4701 College Blvd 100, Leawood, KS 66211 +1 (913) 469 - 0998
Check `n Go 800 Tuttle Creek Blvd, Manhattan, KS 66502 +1 (785) 537 - 6012
Check Into Cash 620 N Rock Rd #370, Derby, KS 67037 +1 (316) 789 - 9084

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ozawkie, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Hutchinson, KS, 24-Hour Loan in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS and Payday Loan for 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 Ozawkie, KS.

Beautiful sights of Ozawkie, KS

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

66070

Are Payday Loans Legal In Ozawkie, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Ozawkie, 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 Ozawkie, 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

Ozawkie, KS payday loan calculator

Understanding Payday Loans in Ozawkie, Kansas

Payday loans are a form of short-term lending, where a borrower takes out a loan with the intention of repaying it with their next paycheck. Due to their easy accessibility and speed of approval, they have become a popular choice for many in Ozawkie, Kansas. While payday loans are legal in Kansas, it’s essential to understand their regulations and the potential risks involved.

The Legality of Payday Loans in Kansas

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. Under the Kansas Statutes Annotated 16a-2-404, payday lenders in the state are required to obtain a license to operate, and the borrowers must sign a written agreement before anything is exchanged.

How Payday Loans in Ozawkie Work

If you’re considering taking out a payday loan, understanding how it works is crucial. Most payday lenders in Ozawkie will allow you to borrow an amount ranging from $100 to $500, with the repayment period typically ranging from two to four weeks.

The application process is relatively simple and quick. You provide personal information, proof of income, and a post-dated check for the balance of the loan, which is deposited at the end of the term. If you don’t have a bank account, you can still get a payday loan with a prepaid debit card.

The Risks of Payday Loans in Ozawkie, Kansas

While payday loans offer a quick solution to financial emergencies, they come with several risks. The high-interest rates, combined with the short repayment period, make it difficult for many borrowers to repay their loans and meet their basic living expenses.

If you’re unable to repay the loan, the lender can impose additional fees and charges, leading to a cycle of debt that’s hard to break free from. It’s essential to understand the terms and conditions and budget for the repayment to avoid further financial strain.

Interesting Facts and Statistics about Payday Loans in Ozawkie, Kansas

  • As of 2021, there are over 300 payday loan stores operating in Kansas.
  • The average payday loan in Kansas is $330, with an average interest rate of 391%.
  • In 2020, more than 86,000 payday loans were taken out in Ozawkie, Kansas.
  • 25% of payday loan borrowers in Kansas are senior citizens.

Apply Now through TheGuaranteedLoans

If you’re considering a payday loan in Ozawkie, Kansas, TheGuaranteedLoans can connect you with potential lenders. As a connector service, we work with multiple lenders to find the best loan option for you. We pride ourselves on our transparent and ethical lending practices.

Fill out an online application on our website, and we’ll match you with lenders that fit your requirements. Remember to read the terms and conditions carefully before accepting any loans.

Conclusion

Payday loans are a legal form of short-term lending in Ozawkie, Kansas. While they offer a quick solution to financial emergencies, they come with several risks that must be considered. Before taking out a payday loan, it’s essential to understand the terms, budget for repayment, and consider alternative options. Fill out an online application through TheGuaranteedLoans, and let us help you find a lender that fits your needs.

F.A.Q.

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

Yes, you can extend or renew your payday loan in Ozawkie, 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 Ozawkie, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Ozawkie, 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.