Payday Loans in Ramona, Kansas

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

Company nameAddressZip codePhone number
First Option Bank Horton 1505 Central Ave, Horton, KS 66439 +1 (913) 557 - 0800
First National Bank 1201 W Amity St, Louisburg, KS 66053 +1 (913) 837 - 5191
Advance America 433 East Chestnut, Junction City, KS 66441 +1 (785) 238 - 1633
Loanmax Title Loans 831 W 6th Ave, Emporia, KS 66801 +1 (620) 340 - 1090
RCB Bank 1905 E 9th Ave, Winfield, KS 67156 +1 (620) 221 - 2648
Great Southern Bank 2040 S Princeton St, Ottawa, KS 66067 +1 (785) 242 - 1400
Loan Smart 3740 SW Topeka Blvd, Topeka, KS 66609 +1 (785) 266 - 1333
Barri Agent 164 W Pancake Blvd, Liberal, KS 67901
Astra Bank 1100 Fort St 3830, Hays, KS 67601 +1 (785) 628 - 2400
Western State Bank 2121 N 14th Ave, Dodge City, KS 67801 +1 (620) 227 - 9824

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ramona, KS, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loan Without a Credit Check in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loan Companies in Wichita, KS, Payday Loans in Hutchinson, KS and Payday Loan for Kansas City, 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 Ramona, KS.

Beautiful sights of Ramona, KS

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

67475

Are Payday Loans Legal In Ramona, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Ramona, 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 Ramona, 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

Ramona, KS payday loan calculator

Payday Loans in Ramona, Kansas

Payday loans are a type of short-term loan, often used to bridge the gap between paychecks when unforeseen expenses arise. They are designed to be paid back quickly, often within two weeks or one month. Payday loans can help individuals with bad credit or those who are unable to obtain traditional loans, but there are risks involved.

How Do Payday Loans Work?

Payday loans typically involve a borrower writing a post-dated check to the lender for the amount they wish to borrow plus a fee. The lender then gives the borrower the cash, and the borrower agrees to repay the loan on their next payday. If the borrower is unable to repay the loan on time, they may face additional fees and interest charges. In some cases, borrowers may be able to roll over the loan, but this can lead to additional fees and charges.

Are Payday Loans Legal in Kansas?

Yes, payday loans are legal in Kansas. However, there are regulations in place to protect borrowers. Lenders are required to be licensed by the state, and they must disclose all fees and charges associated with the loan. Additionally, lenders must abide by a maximum loan limit of $500, and loans must not exceed 30 days in length.

What Are the Risks of Payday Loans?

Payday loans can be a useful tool for individuals who need cash quickly, but they come with risks. The biggest risk is that borrowers can get caught in a cycle of debt. If a borrower is unable to repay the loan on time, they may be tempted to roll over the loan or take out another loan to pay off the first one. This can lead to a cycle of debt, with borrowers paying more and more in fees and interest charges.

Additionally, payday loans often come with high interest rates and fees. The fees can be as much as 15% of the loan amount, and the interest rates can be as high as 400%. This can make it difficult for borrowers to repay the loan on time, especially if they are living paycheck to paycheck.

Interesting Facts and Statistics about Payday Loans in Ramona, Kansas

  • The average payday loan amount in Kansas is $300.
  • Approximately 11% of Kansas residents have taken out a payday loan in the past year.
  • The average APR for a payday loan in Kansas is 391%.
  • 85% of payday loan borrowers in Kansas take out more than one loan per year.

Apply Now

Are you in need of a payday loan in Ramona, Kansas? TheGuaranteedLoans can help. We are a connector service, not a direct lender, and we can help connect you with potential lenders who may be able to provide the cash you need. Fill out our online application today and get started.

Please remember that payday loans come with risks, and they should only be used as a last resort. Borrow only what you can afford to repay, and be sure to read all terms and conditions carefully before accepting a loan.

F.A.Q.

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

Yes, in Ramona, 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 Ramona, Kansas for having bad credit?

No, payday loans in Ramona, 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.