Payday Loans in Rock, Kansas

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

Company nameAddressZip codePhone number
Loughmiller Motors 2007 N Broadway 2826, Pittsburg, KS 66762 +1 (620) 231 - 2277
Emerald Bank 305 E Main St, Oxford, KS 67119 +1 (620) 455 - 3326
Home State Bank a part of The Citizens State Bank 1300 N Main St, McPherson, KS 67460 +1 (620) 241 - 7404
TitleMax Title Loans 1218 S Rock Rd, Wichita, KS 67207 +1 (316) 215 - 8063
Kansas State University CU 2600 Anderson Ave, Manhattan, KS 66502 +1 (785) 776 - 5487
Western Credit Inc 711 Roach St, Salina, KS 67401 +1 (785) 820 - 9626
LibertyX Bitcoin ATM 409 W Frontier Pkwy, Oberlin, KS 67749 +1 (800) 511 - 8940
Citizens National Bank 2115 M St, Belleville, KS 66935 +1 (785) 527 - 2219
Payday Plus 916 W 8th St, Coffeyville, KS 67337 +1 (620) 251 - 2666
MoneyGram 800 N Main St, McPherson, KS 67460 +1 (620) 241 - 4660

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rock, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Kansas City, KS, 24-Hour Loan in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS and 24-Hour Loan in Overland Park, 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 Rock, KS.

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

67131

Are Payday Loans Legal In Rock, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Rock, 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 Rock, 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

Rock, KS payday loan calculator

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

If you’re a resident of Rock, Kansas, and you find yourself in a tough financial situation, you may be considering a payday loan. Payday loans are small, high-interest loans that are designed to be repaid quickly, often within a few weeks.

While payday loans can be a helpful resource for those in need of quick cash, it’s important to understand the risks before applying. In this article, we’ll explore the world of payday loans in Rock, Kansas, including their legality, the application process, and alternative options to consider.

Legal Status of Payday Loans in Rock, Kansas

In Kansas, payday loans are legal and regulated by the state. However, there are certain restrictions in place to protect consumers. For example, lenders can only charge up to 15% interest on loans of $500 or less.

It’s important to note that while payday loans are legal in Rock, Kansas, they are not a long-term solution to financial difficulties. In fact, they often come with high fees and interest rates, and many borrowers find themselves trapped in a cycle of debt.

The Application Process

To apply for a payday loan in Rock, Kansas, you’ll need to be at least 18 years old and have a steady source of income. You’ll also need to provide personal information such as your name, address, and social security number.

One of the major benefits of payday loans is that they have a quick approval process. In many cases, you can receive your funds within 24 hours of applying.

Alternative Options to Payday Loans

While payday loans can be a tempting solution for those in need of quick cash, there are several alternative options to consider. These include:

  • Personal loans: If you have good credit, you may be able to qualify for a personal loan with a lower interest rate than a payday loan.
  • Credit counseling: If you’re struggling with debt, a credit counseling service can help you create a budget and come up with a repayment plan.
  • Side gigs: Consider taking on a side job or freelance gig to earn extra cash. This can be a more sustainable way to supplement your income than taking out a loan.

Interesting Facts and Statistics

According to a 2020 survey, the average payday loan borrower in Kansas has an annual income of $30,000 or less. Additionally, around 80% of borrowers take out a second loan within 14 days of repaying their first loan.

Apply Now

If you’ve weighed your options and decided that a payday loan is the best solution for your financial situation, TheGuaranteedLoans can help. As a connector service, we work with a network of potential lenders to help you find the best loan option for your needs.

Fill out our quick online application today to get started. Remember, a payday loan should only be used as a last resort, so be sure to explore all of your options and make an informed decision.

F.A.Q.

What are payday loans in Rock, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.

How do I qualify for a payday loan in Rock, Kansas?

To qualify for a payday loan in Rock, Kansas, you must be at least 18 years old, have a steady source of income, and have a valid checking account.