Payday Loans in Paxico, Kansas

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

Company nameAddressZip codePhone number
Jennifer Kimberly, Movement Mortgage 3525 N Ridge Rd, Wichita, KS 67205 +1 (316) 215 - 6773
Family Wealth Management LLC 106 W 9th Ave, Winfield, KS 67156 +1 (620) 221 - 2853
Kelly R Drummond Fairway Independent Mortgage Corporation Loan Officer 5640 SW 29th St, Topeka, KS 66614 +1 (785) 379 - 3829
Midway Motors Chrysler Dodge Jeep Ram 2075 E Kansas Ave 2, McPherson, KS 67460 +1 (620) 241 - 6500
Marcus & Millichap 7400 College Blvd 105, Overland Park, KS 66210 +1 (816) 410 - 1010
Exchange Bank & Trust - Atchison 600 Commercial St, Atchison, KS 66002 +1 (913) 367 - 6000
Heartland Credit Union 2201 S Kansas Ave, Newton, KS 67114 +1 (316) 283 - 8896
Bank of Hays 1000 West 27th Street, Hays, KS 67601 +1 (785) 621 - 2265
Midwest Fidelity Services, LLC 103 S Main St, Ottawa, KS 66067 +1 (844) 343 - 4589
Advance America 325 N Summit St, Arkansas City, KS 67005 +1 (620) 741 - 0541

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Paxico, KS

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

66526

Are Payday Loans Legal In Paxico, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Paxico, 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 Paxico, 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

Paxico, KS payday loan calculator

What are Payday Loans in Paxico, Kansas?

Payday loans are short-term loans that individuals can take out in order to cover unexpected expenses or bills that they cannot afford to pay otherwise. The loans are meant to be used for emergency situations and are usually due to be repaid by the borrower’s next payday.

Legality of Payday Loans in Kansas

Payday loans are legal in Kansas, including Paxico, with regulations. The maximum amount an individual can borrow at any one time is $500, and the loan term cannot exceed 30 days. Additionally, lenders are only allowed to charge a maximum interest rate of 15% on the loan amount.

How do Payday Loans Work?

Payday loans in Paxico, Kansas are relatively simple to obtain. Borrowers can apply for a payday loan in person or online. They will need to provide proof of income, such as a pay stub or bank statement, as well as a valid form of identification and a checking account.

Once the application process is complete, the lender will determine the borrower’s eligibility for a loan and the maximum amount they can borrow. If approved, the borrower will receive the loan amount in their bank account, usually within one business day.

The borrower will then need to repay the loan amount, plus any interest and fees, by their next payday. If they are unable to repay the loan on time, they may be subject to additional interest and fees or even legal action.

Why do People Take Out Payday Loans?

Individuals take out payday loans for a variety of reasons. Some common uses include:

  • Emergency medical expenses
  • Car repairs
  • Unexpected bills or expenses
  • Rent or mortgage payments

Because payday loans are short-term and do not require a credit check, they can be an attractive option for individuals who need quick cash and do not qualify for other forms of credit.

Interesting Facts and Statistics about Payday Loans in Paxico, Kansas

  • In 2019, Kansas borrowers took out 685,000 payday loans, with the average loan amount being $295.
  • Although payday loans are legal in Kansas, some states have banned or heavily regulated them due to concerns about predatory lending practices.
  • A 2014 study found that 58% of Kansas borrowers felt that payday loans had helped them, while 21% felt that they had hurt them.

Apply Now

If you find that you need a payday loan in Paxico, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and work to facilitate the loan application process for borrowers.

We can help you find lenders who offer payday loans in Kansas and help you compare rates and fees to find the best option for your individual financial situation. Fill out an application on our website today to get started!

F.A.Q.

Are there any restrictions on the number of payday loans I can take out in Paxico, Kansas?

Yes, in Paxico, Kansas, you are only allowed to have one outstanding payday loan at a time. This means that you cannot take out multiple payday loans from different lenders at the same time.

Can I be denied a payday loan in Paxico, Kansas for having bad credit?

No, payday loans in Paxico, Kansas are not based on your credit score. However, if you have a history of defaulting on payday loans or other debts, the lender may decide not to extend a loan to you.