Payday Loans in Saint George, Kansas

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

Company nameAddressZip codePhone number
Exchange Bank & Trust 423 Main St, Effingham, KS 66023 +1 (913) 833 - 5560
Goppert State Service Bank 120 S Maple St, Garnett, KS 66032 +1 (785) 448 - 2300
Michelle Maganda Fairway Independent Mortgage Corporation Loan Officer 1212 Bluemont Ave Suite 110, Manhattan, KS 66502 +1 (562) 292 - 3830
Raymond James Financial Services 320 Broadway St, Larned, KS 67550 +1 (620) 285 - 8933
Exchange Bank & Trust 121 S Main St, Troy, KS 66087 +1 (785) 985 - 3511
Sunflower Bank 176 N Santa Fe Ave, Salina, KS 67401 +1 (785) 827 - 5564
Edelman Financial Engines Corporate Office 10950 Grandview Dr Suite 500, Overland Park, KS 66210 +1 (408) 498 - 6000
Bank of Tescott 101 E Lincoln Ave, Lincoln, KS 67455 +1 (785) 524 - 4458
Exchange State Bank 209 Northeast Ave, Columbus, KS 66725 +1 (620) 429 - 1873
Bank of America with Drive-thru ATM 500 S West St, Wichita, KS 67213 +1 (316) 261 - 4242

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint George, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Payday Loans in Salina, KS, Payday Loans in Shawnee, KS, Online Loans in Topeka, KS, No Credit Check Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Emergency Loan in Kansas City, KS and Online Loans in Lawrence, 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 George, KS.

Beautiful sights of Saint George, KS

Are Payday Loans Legal In Saint George, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Saint George, 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 George, 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 George, KS payday loan calculator

Payday Loans in Saint George, Kansas – A Comprehensive Guide

Living paycheck to paycheck is a reality for many people in Saint George, Kansas. In times of financial emergencies, payday loans can be a quick and convenient option for those who need funds immediately. In this guide, we will discuss everything you need to know about payday loans in Saint George, Kansas.

What are Payday Loans?

Payday loans are short-term loans designed to be repaid on the next payday. These loans are typically for small amounts, often up to $500, and are meant to cover unexpected expenses that cannot be covered by regular income.

Payday loans are legal in Kansas, but they come with certain regulations that aim to protect the consumers. These regulations include a cap on the loan amount, an interest rate limit, and a maximum loan term.

How Does the Payday Loan Process Work?

The payday loan process in Saint George, Kansas is straightforward. The borrower writes a postdated check or provides authorization for an electronic withdrawal for the loan amount and fees. In exchange, the lender gives the borrower cash or deposits the loan amount into their bank account.

The loan is typically due on the next payday, which is usually within two weeks. If the borrower cannot repay the loan on time, they may encounter additional fees and interest charges.

What Are the Eligibility Requirements for Payday Loans in Saint George, Kansas?

To be eligible for a payday loan in Kansas, the borrower must be at least 18 years old and have a steady source of income. They must also provide proof of identity, such as a driver’s license or passport, and a bank account.

The Pros and Cons of Payday Loans

  • Pros: Payday loans can be a quick and convenient way to access funds in times of emergency. They typically have a simple application process and do not require a credit check.
  • Cons: Payday loans come with high-interest rates, which can add up quickly if the loan is not repaid on time. They also have a short repayment term, which can make it difficult for the borrower to pay the loan back on time.

Interesting Facts and Statistics about Payday Loans in Saint George, Kansas

  • In 2019, Kansas borrowers took out more than 685,000 payday loans, with an average loan amount of $315.
  • The interest rate for payday loans in Kansas can be as high as 391%.
  • The average payday borrower in Kansas takes out eight loans per year.

Apply Now for a Payday Loan in Saint George, Kansas

If you are facing a financial emergency and need access to funds quickly, TheGuaranteedLoans can help connect you with potential payday lenders in Saint George, Kansas. Visit our website and fill out our online application form to get started. Remember, we are a connector service, not a direct lender, and we work with a network of lenders to help you find the best loan for your needs.

Overall, payday loans can be a useful tool for those facing financial emergencies in Saint George, Kansas. However, it is important to understand the potential risks and costs associated with these loans and to use them responsibly.

F.A.Q.

Can I be arrested for not repaying a payday loan in Saint George, Kansas?

No, you cannot be arrested for not repaying a payday loan in Saint George, 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 Saint George, Kansas?

Yes, there are alternatives to payday loans in Saint George, 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.