Payday Loans in Saint Francis, Kansas

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

Company nameAddressZip codePhone number
Check n Go 3129A S Seneca St, Wichita, KS 67217 +1 (316) 554 - 8095
Sunflower Credit Union 1610 N Summit St, Arkansas City, KS 67005 +1 (620) 442 - 5811
Check Into Cash 2326 Industrial Rd Suite 500, Emporia, KS 66801 +1 (620) 342 - 1767
CBCS Collections 105 W 5th Ave, Emporia, KS 66801 +1 (620) 343 - 6220
The First National Bank of Hope 201 N Starr Ave, Miltonvale, KS 67466 +1 (785) 427 - 2232
Angie Bates, Movement Mortgage 6600 College Blvd Suite 125, Overland Park, KS 66211 +1 (913) 709 - 0154
TitleMax Title Loans 722 S Broadway Blvd, Salina, KS 67401 +1 (785) 376 - 0595
Check `n Go 6254 E 37th St N #170, Wichita, KS 67220 +1 (316) 688 - 0913
Cash-2-Go 2400 S N Main St, Fort Scott, KS 66701 +1 (620) 223 - 2291
Central National Bank Commercial Lending Office 3140 Nieder Rd, Lawrence, KS 66047 +1 (785) 838 - 1975

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Francis, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loan Companies in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Emergency Loan in Lenexa, KS, Payday Loans in Manhattan, KS and Payday Loan Companies 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 Saint Francis, KS.

Beautiful sights of Saint Francis, KS

Are Payday Loans Legal In Saint Francis, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Saint Francis, 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 Saint Francis, 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

Saint Francis, KS payday loan calculator

Payday Loans in Saint Francis, Kansas

When an unexpected expense arises, such as a car repair or medical bill, it can be difficult to handle the cost without dipping into savings. Unfortunately, not everyone has savings set aside for emergencies, which can leave them in a difficult financial situation. In these cases, payday loans can be a last resort option for individuals in Saint Francis, Kansas who are in need of quick cash.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due at the borrower’s next payday. These loans have a high interest rate, often surpassing 300%, and are intended for emergency situations. Payday loans are easy to obtain and require minimal paperwork, making them a popular choice for those who need money fast.

How Do Payday Loans Work?

To obtain a payday loan, borrowers must provide proof of income and a valid ID. They must also write a post-dated check that covers the loan amount plus interest and fees. When the loan is due, the lender will cash the check. If the borrower cannot repay the loan, they may be able to roll the loan over by paying additional fees.

Are Payday Loans Legal in Saint Francis, Kansas?

Yes, payday loans are legal in the state of Kansas. However, there are regulations in place to protect borrowers. For example, the maximum loan amount is $500, and lenders cannot charge more than 15% interest on the loan amount.

Apply Now

If you are in need of a payday loan in Saint Francis, Kansas, click here to apply now. TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders who may be able to provide you with the cash you need in a time of financial need.

Interesting Facts and Statistics

  • Payday loans are legal in 37 states across the United States.
  • The average payday loan borrower takes out 8 loans per year.
  • Payday loan borrowers tend to be low-income individuals who are unable to obtain credit from traditional lenders.
  • In 2019, the total value of payday loans in the United States was $89 billion.

Conclusion

While payday loans can be an option for those in need of quick cash, they come with high interest rates and fees. It is important to only take out a payday loan if it is truly necessary and to ensure that you will be able to repay the loan on time. TheGuaranteedLoans can help connect you with lenders in Saint Francis, Kansas who may be able to provide you with a payday loan, but it is important to consider all options and make a decision that is in your best financial interest.

F.A.Q.

Can I be sued for not repaying a payday loan in Saint Francis, Kansas?

Yes, if you default on your payday loan in Saint Francis, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.

Can I be charged with a crime for not repaying a payday loan in Saint Francis, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Saint Francis, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.