Payday Loans in Scammon, Kansas

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

Company nameAddressZip codePhone number
Always Pay Day Cash Advance 1503 E Pawnee St, Wichita, KS 67211 +1 (316) 269 - 4400
Commercial Bank 108 S McGee St, Caney, KS 67333 +1 (620) 879 - 2122
Loanmax Title Loans 2002 E Pawnee St Ave, Wichita, KS 67211 +1 (316) 267 - 3065
UMB Bank with drive-thru services 324 S National Ave, Fort Scott, KS 66701 +1 (620) 223 - 1255
Central National Bank Lending Services Office 1916 Main St, Great Bend, KS 67530 +1 (620) 603 - 6447
Loanmax Title Loans 1511 E 17th Street, Hutchinson, KS 67501 +1 (620) 663 - 7555
Equity Bank 102 N Broadway St, Pittsburg, KS 66762 +1 (620) 231 - 3700
Money Town Pawn Shop 2425 Oliver, Wichita, KS 67210 +1 (316) 683 - 3002
CBCS Collections 105 W 5th Ave, Emporia, KS 66801 +1 (620) 343 - 6220
Landmark National Bank 2300 N Broadway, Pittsburg, KS 66762 +1 (620) 232 - 1100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scammon, KS, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Leawood, KS, Payday Loan Without a Credit Check in Lenexa, KS, Payday Loans in Manhattan, KS, Payday Loan for Olathe, KS, Payday Loan Companies in Overland Park, KS, Payday Loan Without a Credit Check in Salina, KS, Payday Loans in Shawnee, KS and Payday Loan for Topeka, 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 Scammon, KS.

Beautiful sights of Scammon, KS

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

66773

Are Payday Loans Legal In Scammon, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Scammon, 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 Scammon, 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

Scammon, KS payday loan calculator

Payday Loans in Scammon, Kansas: What to Know

Payday loans are legal in Kansas, including in the small town of Scammon. If you’re considering taking out a payday loan in Scammon or elsewhere in Kansas, it’s important to understand what these loans are, how they work, and what risks they can pose.

What is a payday loan?

A payday loan is a short-term, high-interest loan that is typically due on the borrower’s next payday. These loans are usually for small amounts, ranging from a few hundred dollars to a few thousand dollars.

In Kansas, payday lenders are allowed to charge up to 15% interest on loans of $100 or less. For loans between $100 and $500, the interest rate can be up to 10%. For loans over $500, the interest rate can be up to 5%. Lenders are also allowed to charge additional fees, such as origination fees and late fees.

How do payday loans work?

To take out a payday loan, you’ll need to provide the lender with proof of income and a bank account. You’ll then write a post-dated check for the loan amount plus fees, which the lender will cash on your next payday. If you can’t repay the loan on the due date, the lender may offer to roll over the loan for an additional fee.

Payday loans can be tempting because they offer fast cash with no credit check. However, they can also be very expensive and can trap borrowers in a cycle of debt.

What are the risks of payday loans?

One of the biggest risks of payday loans is their high cost. Because of their short terms and high interest rates, these loans can be very expensive. Borrowers may end up paying back much more than they originally borrowed, and they may have difficulty making their payments on time.

Another risk of payday loans is the risk of falling into a cycle of debt. Because borrowers must repay the loan plus fees on their next payday, they may not have enough money to cover their other expenses and bills. This can lead to borrowing again and again, and can put borrowers in a difficult financial situation.

Interesting Facts and Statistics about Payday Loans in Scammon, Kansas

  • In 2019, there were 3,317 payday loan businesses in Kansas.
  • The average payday loan in Kansas is $290.
  • On average, borrowers in Kansas take out 8 payday loans per year.
  • Payday lenders in Kansas made $267 million in fees and interest in 2018.

Apply Now

If you’re considering a payday loan, it’s important to understand the risks and to only borrow what you can afford to repay. TheGuaranteedLoans is a connector service that can help you connect with potential lenders who may be able to offer you a payday loan. Remember, we are not a direct lender, and we cannot guarantee loan approval. Fill out our online application today to see if you qualify for a payday loan in Scammon or elsewhere in Kansas.

F.A.Q.

How do I repay a payday loan in Scammon, Kansas?

Payday loans in Scammon, Kansas are typically repaid in one lump sum on your next payday, along with any interest and fees. Some lenders may allow you to repay the loan in multiple payments.

Are payday loans in Scammon, Kansas regulated?

Yes, payday loans in Scammon, Kansas are regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to follow specific rules and regulations, including maximum interest rates and fees.