Payday Loans in Satanta, Kansas

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

Company nameAddressZip codePhone number
Central National Bank Drive Up Branch 540 W 6th St, Junction City, KS 66441 +1 (785) 761 - 2970
Waddell & Reed Inc 2356 KS-63, Seneca, KS 66538 +1 (785) 336 - 2028
Farmers National Bank 306 S Cedar St, Stockton, KS 67669 +1 (785) 425 - 7007
Fairway Independent Mortgage Corporation 4104 W 6th St Suite B, Suite B, Lawrence, KS 66049 +1 (785) 841 - 4434
Carquest Auto Parts - Southwest Kansas Sales LLC - Hugoton 528 S Main St, Hugoton, KS 67951 +1 (620) 544 - 8820
Recheck Inc 200 W Douglas Ave, Wichita, KS 67202 +1 (316) 265 - 8225
Kansas Land Bank 314 Main St, Quinter, KS 67752 +1 (785) 754 - 2500
Advance America 1303 S Santa Fe Ave, Chanute, KS 66720 +1 (620) 432 - 5289
I Do Pay Day Loans 3620 Somerset Dr, Prairie Village, KS 66208 +1 (855) 435 - 2089
Citizens State Bank & Trust 314 W Main St, Council Grove, KS 66846 +1 (620) 767 - 5327

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Satanta, KS

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

67870

Are Payday Loans Legal In Satanta, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Satanta, 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 Satanta, 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

Satanta, KS payday loan calculator

Understanding Payday Loans in Satanta, Kansas

Struggling to pay bills and cover unexpected expenses is stressful and frustrating. That’s why many residents of Satanta, Kansas, turn to payday loans as a short-term solution. Payday loans are small-dollar, short-term loans designed to help borrowers bridge the gap between paychecks. While payday loans are legal in Kansas, it’s important to understand the risks and regulations before taking one out.

How do Payday Loans Work?

Payday loans are typically issued in amounts ranging from $100 to $500. They are designed to be repaid on the borrower’s next payday, usually within two to four weeks. To apply for a payday loan, borrowers must provide proof of income and a valid bank account. Lenders may also require a post-dated check or authorization to withdraw funds from the borrower’s bank account on the due date.

Interest rates for payday loans can be high, ranging from 391% to over 600% APR in some cases. This means that borrowing $100 for two weeks could cost around $15 to $30 in interest and fees. Borrowers must be careful not to get caught in a cycle of debt, where they continually take out new payday loans to cover the costs of previous loans.

Payday Loan Regulations in Kansas

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. Lenders must be licensed and comply with state regulations on fees and interest rates. The maximum amount that a borrower can borrow is $500, and lenders may charge up to 15% in fees for the loan. Borrowers have up to two business days to cancel their loan without incurring any charges.

To protect consumers, Kansas law also limits borrowers to one outstanding payday loan at a time and restricts lenders from charging additional fees and interest on rollovers or renewals of a loan.

Interesting facts about Payday Loans in Satanta, Kansas

  • In 2019, an estimated 185,000 payday loans were issued in Kansas.
  • The average payday loan amount in Kansas is $311.
  • The majority of payday loan borrowers are female and between the ages of 25 and 44.
  • Payday loans are most commonly used to cover unexpected expenses like car repairs, medical bills, and home repairs.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a simple and convenient online application process for payday loans in Satanta, Kansas. Our network of trusted lenders can help you get the funds you need quickly and easily, even if you have bad credit. Simply fill out our online application form to get started and we will connect you with a lender that is right for your unique needs. Please note that TheGuaranteedLoans is a connection service, not a direct lender. We aim to help you connect with potential lenders in our network, but we do not control their lending decisions or terms.

In conclusion

While payday loans can be a quick and convenient solution for unexpected expenses in Satanta, Kansas, they come with risks and high interest rates. Borrowers should carefully consider their options before taking out a payday loan, including other types of personal loans, credit cards, or negotiating payment plans with creditors. However, if you need funds quickly and have no other options, payday loans can provide a temporary solution to get you through a financial rough patch.

F.A.Q.

Are there any resources available to help me avoid taking out a payday loan in Satanta, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Satanta, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.

What are payday loans in Satanta, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.