Payday Loans in Peck, Kansas

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

Company nameAddressZip codePhone number
Riley Pawn Shop 311 S Main St, Riley, KS 66531 +1 (785) 485 - 2527
Azura Credit Union 2808 SW Arrowhead Rd, Topeka, KS 66614 +1 (785) 233 - 5556
First Community Bank 10740 Nall Ave 210, Overland Park, KS 66211 +1 (913) 652 - 7300
Legacy Bank 223 S Main St, Pratt, KS 67124 +1 (620) 672 - 6421
Federal Home Loan Bank-Topeka 500 SW Wanamaker Rd, Topeka, KS 66606 +1 (785) 233 - 0507
Great Plains Fed Credit Union 510 Northeast Ave, Columbus, KS 66725 +1 (620) 429 - 4688
Emprise Bank 104 E Grand Ave, Hillsboro, KS 67063 +1 (620) 947 - 3141
Commerce Bank 2740 Claflin Rd, Manhattan, KS 66502 +1 (785) 537 - 1234
Heartland Credit Union 3777 N Maize Rd, Wichita, KS 67205 +1 (316) 252 - 8259
Emprise Bank 418 N Main St, Eureka, KS 67045 +1 (620) 583 - 5564

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Peck, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Guaranteed Loans in Lenexa, KS, Payday Loans in Manhattan, KS, No Credit Check Loans in Olathe, KS, Short-term Loans in Overland Park, KS and Bad Credit Loans in Salina, 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 Peck, KS.

Are Payday Loans Legal In Peck, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Peck, 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 Peck, 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

Peck, KS payday loan calculator

The Ins and Outs of Payday Loans in Peck, Kansas

When it comes to financial emergencies, sometimes a payday loan can be a lifesaver. Payday loans are a form of short-term lending that can provide you with the cash you need to cover unexpected expenses such as car repairs and medical bills when you are short on cash. Fortunately, payday loans are legal in Kansas, including Peck.

What are payday loans?

Payday loans are short-term loans that are usually due on your next payday. They are typically small loans, with the average loan amount being around $500. The interest rates on payday loans are often high, so it’s important to be sure that you can pay the loan back when it’s due. If you can’t pay the loan back on time, you may be charged additional fees and interest.

One of the advantages of payday loans is that they are easy to obtain. Unlike other types of loans, you don’t need good credit to qualify for a payday loan. Most payday lenders only require that you have a steady income, a bank account, and a valid ID.

How do payday loans work in Peck, Kansas?

In Peck, Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. The state sets certain rules and regulations to protect consumers from predatory lending practices.

To obtain a payday loan in Peck, you must be at least 18 years old and have a source of income. You will also need to provide the lender with your name, address, and other personal information. You will then be asked to write a post-dated check to the lender for the loan amount plus fees and interest. The lender will hold onto the check until the loan is due.

If you are unable to pay the loan back on the due date, you may be able to extend the loan for an additional fee. However, this can quickly become expensive, so it’s important to only use payday loans for emergencies and to make sure that you can pay the loan back when it’s due.

Pros and cons of payday loans in Peck, Kansas

Pros

  • Payday loans are easy to obtain.
  • You don’t need good credit to qualify for a payday loan.
  • Payday loans can be a good option for emergencies.

Cons

  • The interest rates on payday loans are often high.
  • It can be easy to get trapped in a cycle of debt if you can’t pay the loan back on time.
  • Payday loans should only be used for emergencies, not for everyday expenses.

Facts and statistics about payday loans in Peck, Kansas

  • In Kansas, the maximum amount you can borrow on a payday loan is $500.
  • Kansas law requires payday lenders to disclose all fees and interest rates associated with a loan.
  • The average APR for a payday loan in Kansas is 391%.
  • Kansas law prohibits payday lenders from charging more than two fees per loan (such as origination fees and late fees).
  • In 2019, there were 1,197 payday loan locations in Kansas.

Apply Now

If you need a payday loan in Peck, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we will work to match you with a lender that can meet your needs. To get started, fill out our online application today.

Remember, payday loans should only be used for emergencies and should be paid back on time to avoid additional fees and interest. Be sure to read all of the terms and conditions of your loan carefully before you sign on the dotted line.

F.A.Q.

Can a payday lender take legal action against me in Peck, Kansas if I default on my loan?

Yes, if you default on your payday loan in Peck, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.

Can a payday lender garnish my wages in Peck, Kansas if I default on my loan?

Yes, if you default on your payday loan in Peck, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.