Payday Loans in Plains, Kansas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Cooperative Credit Union 313 W 9th St, Coffeyville, KS 67337 +1 (620) 251 - 5290
INTRUST Bank 308 W Central Ave, Andover, KS 67002 +1 (316) 383 - 3350
Synergy Wealth Solutions 10975 Benson Dr 350, Overland Park, KS 66210 +1 (913) 234 - 0300
EZ Money Payday & Title Loans 2401 N Summit St, Arkansas City, KS 67005 +1 (620) 741 - 0293
The Bank 108 N Kansas Ave, Selden, KS 67757 +1 (785) 386 - 4389
UMB Bank with drive-thru services 400 N Broadway St, Abilene, KS 67410 +1 (785) 263 - 1130
Loughmiller Motors 2007 N Broadway 2826, Pittsburg, KS 66762 +1 (620) 231 - 2277
Great Plains FCU 504 N Buckeye Ave, Abilene, KS 67410 +1 (785) 263 - 2309
Brookdale Salina Kirwin 1200 E Kirwin Ave, Salina, KS 67401 +1 (785) 825 - 8200
Speedy Cash 430 E 30th Ave, Hutchinson, KS 67502 +1 (620) 663 - 6500

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Plains, KS

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

67869

Are Payday Loans Legal In Plains, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Plains, 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 Plains, 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

Plains, KS payday loan calculator

Payday Loans in Plains, Kansas: What You Need to Know

With the cost of living going up every day, it can be hard to keep up with expenses. Sometimes, unexpected financial emergencies arise, and we find ourselves in need of immediate cash. If you’re a resident of Plains, Kansas, and you find yourself in such a situation, payday loans might be the solution to your short-term financial needs.

What are payday loans?

Payday loans are short-term loans that help you cover emergency expenses before your next salary. These loans are usually smaller amounts than traditional bank loans, and they come with higher interest rates and shorter repayment periods. Typically, payday loans are due on your next payday, hence the name payday loans.

In Plains, Kansas, payday loans are legal, provided the lender is licensed by the state regulatory body and follows the state’s regulations regarding interest rates, fees, and loan amounts.

How do payday loans work in Plains, Kansas?

If you’re a resident of Plains, Kansas, and you need a payday loan, you’ll need to follow these steps:

  • Find a licensed lender: Ensure that the lender is licensed by the Kansas Office of the State Bank Commissioner. You can check their license on the official website.
  • Provide your information: You’ll need to provide your personal and financial information, including your name, address, employment status, and income.
  • Agree to terms: Review and sign the loan agreement outlining the loan amount, fees, interest rate, and due date.
  • Receive funds: If approved, the funds will be deposited in your account within one to two business days.
  • Repay the loan: On your due date, the lender will withdraw the loan amount plus fees and interest from your account. Ensure that you have enough funds in your account to avoid overdraft charges.

What are the fees and interest rates for payday loans in Plains, Kansas?

In Plains, Kansas, payday loans abide by the state’s regulations. Loan amounts can range from $100 to $500, and the loan term typically ranges from 7 to 30 days. Lenders are permitted to charge a maximum of 15% interest on payday loans. For example, if you borrow $100 for 14 days, you’ll pay back $115. You can take out more than one payday loan at the same time, but the total amount must not exceed $500.

It’s essential to read and understand the loan agreement before signing it. Ensure that you’re aware of all the fees involved, including late payment fees and other charges.

What are the advantages and disadvantages of payday loans?

Like any other financial product, payday loans have their pros and cons. Some of the advantages of payday loans include:

  • Quick access to funds: If you have an emergency expense, payday loans can provide funding within one to two business days.
  • No need for a good credit score: Payday lenders typically don’t check your credit score, which makes them accessible to people with poor credit history.

Some of the disadvantages of payday loans include:

  • High-interest rates: Payday loans come with high-interest rates and fees, which can add up quickly and make it harder to repay the loan.
  • Short repayment period: The loan is typically due on your next payday, which can be challenging if you’re living paycheck to paycheck.
  • Risk of debt cycle: If you’re unable to repay the loan on time, you might be tempted to take out another loan to cover the previous one, leading to a debt cycle.

Interesting Facts and Statistics about Payday Loans in Plains, Kansas

  • In 2019, Kansas lawmakers introduced a bill that would cap interest rates on payday loans at 36%, but it failed to pass.
  • According to the Kansas-based nonprofit organization Kansas Appleseed, the average interest rate on payday loans in Kansas was 391% in 2020.
  • Kansas has one of the highest payday loan usage rates in the country, with over 300 payday loan stores operating in the state.

Apply Now

At TheGuaranteedLoans, we connect you with potential lenders who can offer you payday loans that meet your short-term financial needs. Our application process is simple, and you can complete it online from the comfort of your home.

Please note that we’re a connector service, not a direct lender. We don’t make credit decisions or determine the terms of your loan. Our role is to facilitate your connection with potential lenders and help you find the best loan offer for your needs.

Apply now and get quick access to funds to help you cover your emergency expenses.

In conclusion, payday loans can be a valuable resource for Plains, Kansas residents facing unforeseen financial emergencies. However, it’s essential to use them responsibly and understand the pros and cons before taking out a loan. Ensure that you borrow only what you need and are confident you can repay on time. If you find that you’re unable to repay your loan, contact your lender to work out a repayment plan that works for you.

F.A.Q.

Are payday loans in Plains, Kansas regulated?

Yes, payday loans in Plains, Kansas are regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to follow specific rules and regulations, including maximum interest rates and fees.

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

in Plains, Kansas, payday loans cannot be renewed or extended. If you are unable to repay your loan on the agreed upon date, you may be able to work with the lender to come up with a repayment plan.