Payday Loans in Parker, Kansas

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

Company nameAddressZip codePhone number
ACE Cash Express 400 SW 29th St Ste X, Topeka, KS 66611 +1 (785) 266 - 3777
American Cash Exchange 604 S 15th St, Manhattan, KS 66502 +1 (785) 537 - 1803
Advance America 929 E Lincoln Ln, Gardner, KS 66030 +1 (913) 884 - 8115
American AgCredit 2451 N Kansas Ave, Liberal, KS 67901 +1 (620) 624 - 0171
Wells Fargo Bank 601 Commercial St, Atchison, KS 66002 +1 (913) 367 - 6416
First State Bank & Trust 400 Bury St, Tonganoxie, KS 66086 +1 (913) 845 - 2500
Sunflower Bank ATM 400 S Santa Fe Ave, Salina, KS 67401 +1 (888) 827 - 5564
Gold & Silver Jewelry Gun 1701 Main St, Parsons, KS 67357 +1 (620) 421 - 0048
Check `n Go 532 N Pennsylvania Ave, Independence, KS 67301 +1 (620) 331 - 7887
Synchrony Financial 9510 W 67th St, Shawnee, KS 66203 +1 (866) 419 - 4096

Payday Loan Companies in Nearby Cities

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

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

66072

Are Payday Loans Legal In Parker, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Parker, 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 Parker, 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

Parker, KS payday loan calculator

Payday Loans in Parker, Kansas: A Comprehensive Guide

If you live in Parker, Kansas, and you’re in need of quick cash, you might be considering a payday loan. Payday loans are short-term, high-interest loans that can help cover unexpected expenses or tide you over until your next paycheck. While they can be a useful financial tool in the right circumstances, it’s important to be well-informed before taking out a payday loan. In this article, we’ll provide an overview of payday loans in Parker, Kansas, and offer tips for making the most of this financial resource.

Understanding Payday Loans

Before we dive into the specifics of payday loans in Parker, Kansas, let’s take a closer look at what payday loans are and how they work. Payday loans are typically for small amounts, ranging from $100 to $1,000, and are intended to be repaid on your next payday. The repayment period is usually two to four weeks, depending on when you receive your paycheck. To qualify for a payday loan, you’ll need to have a steady source of income and a checking account.

The application process for a payday loan is typically simple and straightforward. You’ll need to provide some basic personal information, such as your name, address, and employment details. You’ll also need to provide a post-dated check or authorization to withdraw funds from your bank account on your next payday. If you’re approved for the loan, the funds will be deposited into your account within a few business days.

The Legality of Payday Loans in Kansas

It’s important to note that payday loans are legal in Kansas. The Kansas Office of the State Bank Commissioner regulates the payday loan industry in the state, and payday lenders must be licensed by the state. There are also regulations in place to protect consumers from predatory lending practices, such as limiting the amount of interest and fees that can be charged on payday loans.

Pros and Cons of Payday Loans

Like any financial product, payday loans have their advantages and disadvantages. Here are a few things to consider before taking out a payday loan:

  • Pros: Payday loans can be a quick and easy way to get cash when you need it. They don’t require a credit check, so they can be an option for people with bad credit or no credit. Payday loans are also relatively easy to qualify for, and you can usually get the money within a few business days.
  • Cons: Payday loans are known for their high interest rates and fees. The interest rates on payday loans can be as high as 400% or more, which means you could end up paying back significantly more than you borrowed. If you’re unable to repay the loan on time, you could end up in a cycle of debt that’s difficult to escape.

Tips for Borrowing Wisely

If you decide to take out a payday loan, it’s important to do so responsibly. Here are a few tips for borrowing wisely:

  • Understand the terms: Make sure you understand the terms of the loan, including the interest rate, fees, and repayment period. Don’t be afraid to ask questions if you’re unsure about anything.
  • Borrow only what you need: Don’t borrow more than you need, as this will only increase the amount of interest you’ll have to pay back.
  • Create a repayment plan: Before you take out a payday loan, create a plan to repay the loan on time. This might mean cutting back on expenses or finding ways to generate extra income.

Interesting Facts and Statistics about Payday Loans in Parker, Kansas

  • Did you know that the average payday loan borrower in Kansas takes out 11 loans over the course of a year?
  • According to a 2016 study by the Consumer Financial Protection Bureau, the average payday loan in Kansas has an APR (annual percentage rate) of 391%.

Apply Now

If you’re considering a payday loan in Parker, Kansas, TheGuaranteedLoans is here to help. We’re a connector service that can help you find potential lenders who may be able to provide you with the cash you need. Our application process is quick and easy, and we’ll work with you to find a lender who meets your needs. Keep in mind that we’re not a direct lender and we don’t make any credit decisions. Instead, we’ll facilitate your connection with potential lenders who can help.

Are you ready to get started? Fill out our online application today and take the first step toward financial peace of mind.

F.A.Q.

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

To qualify for a payday loan in Parker, 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 Parker, Kansas?

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