Payday Loans in Saint John, Kansas

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

Company nameAddressZip codePhone number
Community National Bank & Trust 401 N Main St, Eureka, KS 67045 +1 (620) 583 - 5500
Kansas State University CU 2600 Anderson Ave, Manhattan, KS 66502 +1 (785) 776 - 5487
Ark Valley Credit Union 1515 N Summit St, Arkansas City, KS 67005 +1 (620) 442 - 8210
Mike's Rent To Own 630 N Main St, El Dorado, KS 67042 +1 (316) 322 - 7767
ACE Cash Express 701 Central Ave, Kansas City, KS 66101 +1 (913) 281 - 6400
Fairway Independent Mortgage Corporation 322 S Main St Suite B, Ottawa, KS 66067 +1 (785) 423 - 6721
Walmart Money Center 521 E Chestnut St, Junction City, KS 66441
Garnett State Savings Bank 207 E Broad St, Colony, KS 66015 +1 (620) 852 - 3512
Walmart Money Center 115 US-75, Holton, KS 66436
Barri Agent 116 Gunsmoke St, Dodge City, KS 67801

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint John, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS, Quick Loan in Lenexa, KS, Payday Loans in Manhattan, KS, Same Day Loans in Olathe, KS, Payday Loan Companies in Overland Park, KS, Payday Loans in Salina, KS and Short-term Loans in Shawnee, 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 John, KS.

Beautiful sights of Saint John, KS

Are Payday Loans Legal In Saint John, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

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

Payday Loans in Saint John, Kansas: What You Need to Know

Payday loans are a popular way for people to access quick cash in times of need. In Saint John, Kansas, these loans are legal and can be obtained from a variety of lenders. However, before taking out a payday loan, it’s important to understand the terms and conditions, as well as the potential risks.

What Are Payday Loans?

Payday loans are short-term loans that typically have a repayment term of two weeks to one month. These loans are designed to provide borrowers with quick access to funds to cover unexpected expenses or emergencies. The loan amount is typically based on the borrower’s income and varies depending on the lender. In Saint John, Kansas, payday loans are legal and regulated by state law.

The Pros and Cons of Payday Loans

While payday loans can provide quick access to cash, they also come with high-interest rates and fees. It’s important to carefully weigh the pros and cons before taking out a payday loan.

  • Pros: Quick access to cash, no credit check required, available to borrowers with poor credit.
  • Cons: High-interest rates and fees, short repayment term, potential for debt cycle.

Before taking out a payday loan, it’s important to carefully consider your financial situation and determine if a payday loan is the best option for you.

The Application Process

The application process for a payday loan is typically quick and straightforward. To apply, you’ll need to provide personal and financial information, including your income and bank account details. The lender will evaluate your application and determine the loan amount and terms. If approved, you’ll receive funds typically within 24-48 hours.

What to Look for in a Lender

When choosing a lender for your payday loan, it’s important to carefully evaluate your options. Look for a lender that is reputable, licensed, and transparent about their terms and fees. It’s also a good idea to read customer reviews and compare rates and fees to ensure you’re getting the best deal.

Interesting Facts and Statistics

  • In Kansas, the maximum loan amount for a payday loan is $500.
  • The average interest rate for a payday loan in Kansas is 391%.
  • Approximately 12 million Americans use payday loans each year.
  • Payday loans often lead to a debt cycle, where borrowers take out multiple loans to cover the initial loan and fees.

Apply Now

If you’re in need of quick cash in Saint John, Kansas, TheGuaranteedLoans can connect you with potential lenders. We are a connector service, not a direct lender, which means we have a network of reputable lenders who can provide you with a payday loan that fits your needs. To apply, simply fill out our online application and we’ll work to find a lender who can offer you the funds you need.

Remember, a payday loan should be used as a last resort and only if you are confident in your ability to repay the loan in full. Be sure to carefully evaluate your financial situation and consider all options before making a decision.

F.A.Q.

Can I extend or renew my payday loan in Saint John, Kansas?

Yes, you can extend or renew your payday loan in Saint John, Kansas, but keep in mind that this will result in additional fees and interest charges. It is recommended to only consider this option if you are unable to repay the loan on time and have no other options available.

Can I cancel a payday loan in Saint John, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Saint John, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.