Payday Loans in Roxbury, Kansas

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

Company nameAddressZip codePhone number
Kansas State Bank 400 Maple St, Overbrook, KS 66524 +1 (785) 665 - 7121
Commerce Bank 4006 W 83rd St, Prairie Village, KS 66208 +1 (816) 234 - 2250
Country Club Bank 401 Delaware St, Leavenworth, KS 66048 +1 (913) 682 - 0003
First Kansas Bank 1200 E 27th St, Hays, KS 67601 +1 (785) 625 - 3413
Advance America 2800 East 10th, Great Bend, KS 67530 +1 (620) 793 - 3540
Community Bank of the Midwest 112 Main St, Otis, KS 67565 +1 (785) 387 - 2241
Loanmax Title Loans 1020 N Main St, Lansing, KS 66043 +1 (913) 686 - 6486
Bennington State Bank 418 NW 3rd St, Abilene, KS 67410 +1 (888) 827 - 1887
Walmart Money Center 2710 N Broadway St, Pittsburg, KS 66762 +1 (620) 232 - 1593
Southwest Kansas Community Credit Union 212 E Frontview St suite c, Dodge City, KS 67801 +1 (620) 225 - 5625

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roxbury, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Short-term Loans in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS and Bad Credit Loans in Salina, 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 Roxbury, KS.

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

67476

Are Payday Loans Legal In Roxbury, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Roxbury, 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 Roxbury, 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

Roxbury, KS payday loan calculator

Everything You Need to Know About Payday Loans in Roxbury, Kansas

Are you in need of quick cash in Roxbury, Kansas? Maybe your car broke down, and you need it fixed urgently to get to work?
Perhaps you have an unexpected medical bill or need to pay rent to avoid eviction. Whatever it is, you may be considering payday loans as an option.

Payday loans are short-term loans that are intended to help consumers bridge the gap until their next payday.
In Roxbury, Kansas, payday loans are legal and offer a convenient, quick, and reliable source of funding for emergencies.

How Do Payday Loans Work?

Payday loans are generally small-dollar loans, ranging from $100 to $1,500. The loan is repaid within a short time frame, typically two weeks to a month, depending on the agreement set by the lender and the borrower.

To apply for a payday loan, you typically need to visit a lender’s physical store or visit their website.
You’ll be required to provide proof of income, proof of residence, and a valid ID.
The lender will then assess your eligibility and approve your loan application if you meet the set requirements.

Once approved, the funds are disbursed to you either through direct deposit to your bank account or a check.
In Roxbury, Kansas, the maximum amount that you can borrow is $500, and the maximum loan term is 30 days.

What Are the Benefits of Payday Loans in Roxbury, Kansas?

  • Fast access to cash: One of the critical benefits of payday loans is that you can get the money you need quickly. You can often get your money within a day of applying, making it an excellent option for emergencies.
  • No credit check required: Unlike traditional loans, payday loan lenders in Roxbury, Kansas, do not require a credit check. This makes them an accessible option for people with poor credit scores.
  • No collateral required: Payday loans are unsecured, meaning that you do not need to provide collateral. This feature makes payday loans a less risky borrowing option in the event that you are unable to repay the loan.
  • Easy application process: Payday loans require minimal documentation, making them easy to apply for. You can even apply online, making the entire process even more convenient.

What Are the Risks of Payday Loans in Roxbury, Kansas?

While payday loans may offer a quick fix for urgent financial needs, they come with risks that you should be aware of.

  • High-interest rates: Payday loans in Roxbury, Kansas, can have annual percentage rates (APR) that range from 391% to 521%. This means that you could end up paying a significant amount of interest if you don’t repay the loan on time.
  • Debt trap: If you do not repay your payday loan on time, you may end up being in a never-ending cycle of debt. This could lead to financial ruin and negatively impact your credit score.
  • Fees and charges: Payday loans come with additional fees and charges, such as loan origination fees and late payment fees, which can add up quickly.
  • Disreputable lenders: Some payday loan lenders may not have your best interest at heart. They may engage in predatory lending practices or charge exorbitant fees that make it difficult for you to repay the loan.

Facts and Statistics About Payday Loans in Roxbury, Kansas

  • Approximately 1.7 million payday loans were issued in Kansas in 2019, with a loan volume of $372 million
  • The average loan amount in Kansas was $297, with an average APR of 391%
  • Most payday loan borrowers in Kansas are single women aged 25 to 44 years

Apply Now

Are you considering a payday loan to help you meet your financial needs in Roxbury, Kansas?
TheGuaranteedLoans can help connect you with a lender that suits your needs.
We offer a simple online application process that takes only a few minutes to complete.
Please note that TheGuaranteedLoans does not provide direct lending services but acts as a connector service to potential lenders.

Visit our website www.theguaranteedloans.com and click on the “Apply Now” button to get started.
Our team of experts will review your application and connect you with a lender that meets your requirements.

The Bottom Line

Payday loans in Roxbury, Kansas, offer a convenient way to access quick cash when you need it most.
However, before you take out a payday loan, it is essential to understand the risks associated with this type of loan and ensure that you can repay it on time.
Make sure you carefully assess whether a payday loan is the right option for you before applying.

F.A.Q.

Can I be denied a payday loan in Roxbury, Kansas for having bad credit?

No, payday loans in Roxbury, 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.

Can I be charged with fraud for not being able to repay a payday loan in Roxbury, Kansas?

No, you cannot be charged with fraud for not being able to repay a payday loan in Roxbury, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.