Payday Loans in Saint Marys, Kansas

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

Company nameAddressZip codePhone number
BARRI AGENT INSIDE LA LAGUNA LLC 123 W Broadway St, Newton, KS 67114
Waddell & Reed, Inc. - Financial Advisors 1701 Landon St, Hutchinson, KS 67502 +1 (620) 860 - 1701
Commerce Bank 456 N Main St, Wichita, KS 67202 +1 (316) 261 - 3600
Caney Banking Center E 4th Ave, Caney, KS 67333
Speedy Cash 2201 N Amidon Ave, Wichita, KS 67204 +1 (316) 831 - 9800
Arvest Bank 119 E 3rd St, Ottawa, KS 66067 +1 (785) 229 - 3930
Country Club Bank 401 Delaware St, Leavenworth, KS 66048 +1 (913) 682 - 0003
Central National Bank 101 N Main St, Halstead, KS 67056 +1 (316) 835 - 2004
PrimeLending, A PlainsCapital Company 1201 Wakarusa Dr Building A, Suite 4, Lawrence, KS 66049 +1 (785) 856 - 1231
Commerce Bank 4006 W 83rd St, Prairie Village, KS 66208 +1 (816) 234 - 2250

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Marys, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Emergency Loan in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Short-term Loans in Leawood, KS and Bad Credit Loans in Lenexa, 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 Marys, KS.

Beautiful sights of Saint Marys, KS

Are Payday Loans Legal In Saint Marys, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

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

Payday Loans in Saint Marys, Kansas: Your Ultimate Guide

Life’s little emergencies can sometimes put a damper on our financial well-being. When unexpected expenses come up, such as a car repair or medical bill, it can leave you searching for quick solutions to tide you over until your next payday. That’s where payday loans come in.

A payday loan is a short-term loan that is typically due on the borrower’s next payday. These loans can be helpful in a pinch, providing access to funds quickly and easily. Although payday loans are legal in Kansas, it’s essential to understand the laws and regulations surrounding them to ensure you are making an informed decision.

How Payday Loans Work in Saint Marys, Kansas

In Saint Marys, Kansas, payday loans are governed by the Kansas Statutes Annotated Section 16a-2-404. This law sets out the guidelines for payday lenders and borrowers.

First, the borrower must be at least 18 years old and have a valid ID and a steady income source. The borrower must also provide a post-dated check for the loan amount, plus any fees, to the lender. Alternatively, the borrower can sign an authorization form giving the lender permission to withdraw the loan amount plus any fees automatically when the loan comes due.

Payday loans in Saint Marys, Kansas can range from $100 to $500, and the loan term can be as short as seven days or as long as 30 days. The fees for these loans can be up to 15% of the loan amount, which means a $100 loan could cost up to $115 in fees.

It’s essential to understand that payday loans are meant to be short-term loans, and rolling over a loan can lead to additional fees and interest charges.

The Benefits of Payday Loans in Saint Marys, Kansas

Payday loans can provide quick access to cash when you need it most. They are typically easy to obtain, requiring minimal paperwork and a simple application process. Additionally, payday loan lenders do not typically perform credit checks, meaning that even those with lower credit scores can qualify.

Another advantage of payday loans in Saint Marys, Kansas, is that they can help you avoid late fees and penalties on bills or expenses that cannot wait until your next payday. Payday loans can provide a short-term solution to these financial challenges, helping you bridge the gap until your next paycheck arrives.

Understanding the Risks of Payday Loans in Saint Marys, Kansas

Despite their advantages, payday loans can also be risky if not used responsibly. The high fees and interest rates associated with payday loans can make them much more expensive than other types of loans. Rolling over a payday loan can result in compounding fees and interest charges, leading to a cycle of debt that is hard to break.

It’s also important to note that payday loans can lead to a cycle of dependency on these types of loans. Borrowers who take out payday loans often find themselves needing these loans more and more frequently, leading to financial instability and stress.

Interesting facts or statistics about Payday loans in Saint Marys, Kansas

  • According to data from the National Conference of State Legislatures, there are around 600 payday lenders in Kansas, serving over 200,000 borrowers each year.
  • The average payday loan in Kansas is $300, with an average fee of $55. The average annual percentage rate (APR) for a payday loan in Kansas is 391%.
  • Kansas law allows borrowers to take out up to two payday loans at a time, with a combined total of $500.

Apply Now

If you’re in need of a payday loan in Saint Marys, Kansas, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of lenders to find the best loan options for you.

Simply fill out our online application form to get started. We’ll ask for some basic personal and financial information, and we’ll do our best to connect you with lenders who meet your needs. Remember: payday loans are meant to be short-term solutions, so before you apply, make sure you understand the risks and benefits of these types of loans.

At TheGuaranteedLoans, we are committed to providing valuable, accurate information to our readers. We believe that taking out a loan should be an informed decision based on the borrower’s unique financial situation. If you have any questions about payday loans or our services, please don’t hesitate to contact us.

F.A.Q.

Are there any restrictions on how payday loan lenders in Saint Marys, Kansas can advertise their services?

Yes, payday loan lenders in Saint Marys, Kansas are subject to certain restrictions on their advertising practices. For example, they are prohibited from using false or misleading statements, and must clearly disclose the terms and conditions of their loans, including the fees and interest charges.

Can payday loan lenders in Saint Marys, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in Saint Marys, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.