Payday Loans in Pfeifer, Kansas

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

Company nameAddressZip codePhone number
Navy Federal Credit Union 501 N 3rd Pl Ste A, Manhattan, KS 66502 +1 (888) 842 - 6328
Capitol Federal Savings Bank 3450 N Maize Rd, Wichita, KS 67205 +1 (316) 689 - 3252
Cash 2 Go 4026 Parkview Dr, Pittsburg, KS 66762 +1 (620) 231 - 1647
Check Into Cash 1004 E 41st St, Hays, KS 67601 +1 (785) 628 - 0744
Equity Bank 300 KS-212, Quinter, KS 67752 +1 (785) 754 - 3761
Bank Midwest 316 W Cloud St 5613, Salina, KS 67401 +1 (785) 825 - 2100
Bank of America with Drive-thru services 329 S Andover Rd, Andover, KS 67002 +1 (316) 529 - 6730
Central National Bank ATM 2100 190 Rd A, Glen Elder, KS 67446 +1 (888) 262 - 5456
Golden Plains Credit Union 475 State St, Phillipsburg, KS 67661 +1 (785) 543 - 5267
Garden City Teachers Federal Credit Union 1601 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 0131

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pfeifer, KS, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Overland Park, KS, Same Day Loans in Salina, KS, Payday Loans in Shawnee, KS, Bad Credit Loans in Topeka, KS, Payday Loans in Wichita, KS, Online Loans in Hutchinson, KS, Payday Loans in Kansas City, KS and Payday Loans in Lawrence, 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 Pfeifer, KS.

Are Payday Loans Legal In Pfeifer, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Pfeifer, 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 Pfeifer, 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

Pfeifer, KS payday loan calculator

Understanding Payday Loans in Pfeifer, Kansas

Payday loans are becoming increasingly popular in Pfeifer, Kansas. However, it is important to have an understanding of what a payday loan is and how it works before making a decision to take out one.

What is a Payday Loan?

A payday loan refers to a short-term loan that is meant to help borrowers get through their next payday. Typically, payday loans have a term of two weeks. Borrowers are required to pay back the loan amount plus interest and fees when they receive their next paycheck.

Payday Loans in Pfeifer, Kansas

Payday loans are legal in Kansas, including Pfeifer. Kansas has established regulations and restrictions for payday lending to protect borrowers. Kansas law dictates that payday loans cannot exceed $500 and the interest rates cannot exceed 15% of the loan amount.

The Pros and Cons of a Payday Loan

Like any borrowing option, payday loans have their advantages as well as their disadvantages. Here are some of the pros and cons to consider:

  • Pros:
    • Funds are typically available quickly
    • No collateral is required
    • No credit check is required
  • Cons:
    • High interest rates and fees
    • Short repayment period
    • May trap borrowers in a cycle of debt

Important Facts and Statistics about Payday Loans in Pfeifer, Kansas

According to a 2019 study by the Kansas Coalition for Responsible Lending:

  • The average payday loan amount in Kansas is $328
  • The average APR for a payday loan in Kansas is 391%
  • Typical fees for a 14-day payday loan of $100 in Kansas is $15
  • Repeat borrowers account for 87% of payday loans in Kansas

Should You Consider a Payday Loan?

If you are considering a payday loan, it is important to assess your financial situation and options carefully. Here are some things to consider:

  • Can you realistically afford to pay back the full amount on time?
  • Have you explored other borrowing options?
  • Are you aware of the fees and interest rates associated with the loan?

Apply Now

If you have decided that a payday loan is the best option for you, you can apply for one on our website. TheGuaranteedLoans is a connection service that will help connect you with potential lenders. Our application process is simple and secure. It is important to note that TheGuaranteedLoans is not a direct lender and we cannot guarantee approval for a loan.

Final thoughts

A payday loan can be a useful borrowing option for those who need to borrow a small amount of money for a short period of time. However, it is important to have a clear understanding of the fees and costs associated with payday loans and to explore alternative options before making a decision.

F.A.Q.

Can I cancel a payday loan in Pfeifer, Kansas after I have signed the contract?

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

Are there any restrictions on how payday loan lenders in Pfeifer, Kansas can advertise their services?

Yes, payday loan lenders in Pfeifer, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.