Payday Loans in Schoenchen, Kansas

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

Company nameAddressZip codePhone number
J & L Coins & Jewelry LLC 1203 N Main St, Great Bend, KS 67530 +1 (620) 793 - 6732
Empower Retirement Great-West Financial 11500 Outlook St, Overland Park, KS 66211
ANB Bank 15301 W 87th St, Lenexa, KS 66219 +1 (913) 888 - 8490
Raymond James Financial Services 2112 N Broadway, Pittsburg, KS 66762 +1 (417) 623 - 4030
The Citizens State Bank 600 E Main St, Goessel, KS 67053 +1 (620) 367 - 2264
Mike's Rent To Own 110 W Commercial St, Lyons, KS 67554 +1 (620) 257 - 2777
Citizens State Bank 1400 Topeka Ave, Lyndon, KS 66451 +1 (785) 828 - 9750
Pathway Financial Solutions 120 S Santa Fe Ave, Salina, KS 67401 +1 (785) 820 - 8161
United States Postal Service 22 Public Sq, Blue Rapids, KS 66411 +1 (800) 275 - 8777
Brookdale Dodge City 2400 N 14th Ave, Dodge City, KS 67801 +1 (620) 225 - 7555

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Schoenchen, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loan Without a Credit Check in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loan Companies in Leawood, KS, Bad Credit Loans in Lenexa, KS and Payday Loans in Manhattan, 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 Schoenchen, KS.

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

67667

Are Payday Loans Legal In Schoenchen, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Schoenchen, 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 Schoenchen, 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

Schoenchen, KS payday loan calculator

Payday Loans in Schoenchen, Kansas: All You Need to Know

Are you struggling to make ends meet until your next paycheck arrives? Have unexpected expenses cropped up that you just can’t cover? If so, you may be considering a payday loan to bridge the gap. In Kansas, payday loans are legal, but it’s important to understand the terms and requirements before taking one out. In this guide, we’ll explore everything you need to know about payday loans in Schoenchen, Kansas.

What is a Payday Loan?

A payday loan is a short-term loan typically for amounts ranging from $100 to $500. The loan is intended to be repaid in full on the borrower’s next payday, usually within two to four weeks. Payday loans have higher interest rates than traditional loans and often come with additional fees and penalties for late payments.

How Do Payday Loans Work in Kansas?

In Kansas, payday loans are subject to state regulations, which limit the amount a borrower can take out, the length of the loan term, and the interest rates and fees that can be charged. Borrowers in Kansas can take out payday loans up to $500 with a term of no more than 30 days. Lenders can charge a maximum interest rate of 15% on the amount borrowed and up to $15 in finance charges for every $100 borrowed.

What Are the Requirements for a Payday Loan in Schoenchen, Kansas?

Before applying for a payday loan in Schoenchen, Kansas, be sure to meet the following requirements:

  • Be at least 18 years of age
  • Be a United States citizen or permanent resident
  • Have a valid government-issued ID
  • Provide proof of income and employment
  • Have an active checking account

The Pros and Cons of Payday Loans

While payday loans can be a useful tool for managing unexpected expenses, they come with significant risks and drawbacks. Here are some of the pros and cons to consider:

Pros:

  • Easy and fast application process
  • No credit check required
  • Can provide immediate cash in an emergency

Cons:

  • High interest rates and fees
  • Short repayment periods can lead to a cycle of debt
  • May impact credit score if not repaid on time

Interesting Facts About Payday Loans in Schoenchen, Kansas

  • The average interest rate for payday loans in Kansas is 391%
  • In 2019, there were 516 payday loan storefronts in Kansas
  • 89% of payday loans in Kansas are taken out by borrowers who have taken out five or more loans in the past year

How to Apply for a Payday Loan in Schoenchen, Kansas

If you meet the necessary requirements and decide to apply for a payday loan in Schoenchen, Kansas, visit our website at TheGuaranteedLoans.com to begin the process.

As a connector service, TheGuaranteedLoans is not a direct lender, but rather facilitates the connection between potential borrowers and the lenders in our network. To apply for a payday loan, simply fill out our online application with your personal and financial information. Once your application is submitted, we’ll match you with lenders who may be able to meet your needs.

Conclusion

Payday loans can be a viable option for those in need of immediate cash, but it’s important to understand the requirements, risks, and alternatives before making a decision. If a payday loan is right for you, TheGuaranteedLoans can help connect you with lenders in Schoenchen, Kansas who can offer competitive rates and terms.

F.A.Q.

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

in Schoenchen, Kansas, payday loans cannot be renewed or extended. If you are unable to repay your loan on the agreed upon date, you may be able to work with the lender to come up with a repayment plan.

Are there any alternatives to payday loans in Schoenchen, Kansas?

Yes, there are several alternatives to payday loans in Schoenchen, Kansas, including borrowing from friends or family, using credit cards, or applying for a personal loan from a bank or credit union.