Payday Loans in Prairie View, Kansas

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

Company nameAddressZip codePhone number
Advance America 433 East Chestnut, Junction City, KS 66441 +1 (785) 238 - 1633
Finance Co of Kansas 944 N Main St, Cheney, KS 67025 +1 (316) 540 - 0544
Landmark National Bank 6100 SW 21st St, Topeka, KS 66614 +1 (785) 273 - 3303
INTRUST Bank 308 W Central Ave, Andover, KS 67002 +1 (316) 383 - 3350
Consolidated Properties 2405 E 21st St N, Wichita, KS 67214 +1 (316) 652 - 9797
Pinnacle Bank 401 N Spruce St, Abilene, KS 67410 +1 (785) 263 - 1090
First National Bank of Hutchinson 6206 N 247th St W, Andale, KS 67001 +1 (316) 444 - 2550
Helping Hand Quick Cash 1309 W 6th Ave, Emporia, KS 66801 +1 (620) 342 - 8999
American Payday Loans 2506 S Santa Fe Ave, Chanute, KS 66720 +1 (620) 432 - 9944
Solomon State Bank 126 W Main St, Solomon, KS 67480 +1 (785) 655 - 2941

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Prairie View, KS, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, No Credit Check Loans in Lawrence, KS, Guaranteed Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Guaranteed Loans in Lenexa, KS, Payday Loan Without a Credit Check in Manhattan, KS and Payday Loans in Olathe, 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 Prairie View, KS.

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

67664

Are Payday Loans Legal In Prairie View, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Prairie View, 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 Prairie View, 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

Prairie View, KS payday loan calculator

Understanding Payday Loans in Prairie View, Kansas

Payday loans are a form of short-term borrowing that offers you quick access to funds when you’re in a financial bind. While getting a payday loan in Prairie View, Kansas can be an excellent way to get the cash you need when you need it, it’s crucial to understand the risks and costs involved.

How do Payday Loans Work in Prairie View, Kansas?

The process of getting a payday loan is quite simple. Here are the steps involved:

  • First, the borrower fills out an online application, which typically takes only a few minutes to complete.
  • Once the application is submitted, the lender will review the borrower’s information and determine if they qualify for a loan. Since payday loans are often available to those with poor credit, the approval process is relatively straightforward.
  • If the borrower qualifies, they will receive the loan funds in their account, typically within 24 hours of approval. They can use the funds for any purpose, and the loan repayment is typically due on their next payday.

However, payday loans come with high fees and interest rates that can trap you in a cycle of debt. It’s essential to understand the terms of your loan before signing the agreement and borrowing the funds.

What Fees and Rates are Involved with Payday Loans in Prairie View, Kansas?

The fees and interest rates associated with payday loans in Prairie View, Kansas can be quite high. The maximum loan amount is $500, and the maximum term is 30 days. The interest rate on the loan cannot be more than 15% of the loan amount. For example, if you borrow $100 for 14 days, the total cost of borrowing will be $119. The APR for a 14-day, $100 loan in Kansas would be 390%.

Additionally, lenders may charge additional fees, such as origination fees, rollover fees, and late payment fees. These fees can add up quickly and make it difficult to repay your loan on time.

Why Should You Consider a Payday Loan in Prairie View, Kansas?

Despite the high fees and interest rates associated with payday loans, there are several reasons why you might consider one if you’re in a financial bind. Some of the key benefits include:

  • Quick access to funds. Payday loans are typically available within 24 hours of approval, which can be crucial if you need money quickly.
  • No credit check required. Most lenders that offer payday loans in Praire View, Kansas don’t require a credit check. This makes it an attractive option for those with poor credit or no credit history.
  • Flexible repayment options. Most payday lenders offer flexible repayment options to help you avoid falling into a debt trap. You can typically pay back your loan in installments over several months.

Interesting Facts and Statistics About Payday Loans in Prairie View, Kansas

Here are some interesting facts and statistics about payday loans in Prairie View, Kansas that you may find useful:

  • There are over 300 payday lenders in Kansas.
  • The average payday loan in Kansas is $300, and the average APR is 391%.
  • Only 15% of payday loan borrowers in Kansas can repay their loan on time.

Apply Now

If you’re considering a payday loan in Prairie View, Kansas, TheGuaranteedLoans can help. Our website is a connector service, not a direct lender, which means we can connect you with potential lenders based on your unique needs and financial situation.

Simply fill out our online application form, and we’ll match you with lenders that best meet your needs. Remember, payday loans are a form of short-term borrowing and come with high fees and interest rates, so it’s crucial to approach them with caution.

We’re here to help you navigate the lending process and make informed decisions about your finances. Apply now and get the cash you need when you need it.

F.A.Q.

Can I be arrested for not repaying a payday loan in Prairie View, Kansas?

No, you cannot be arrested for not repaying a payday loan in Prairie View, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.

Are there alternatives to payday loans in Prairie View, Kansas?

Yes, there are alternatives to payday loans in Prairie View, Kansas, such as borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit organization.