Payday Loans in Stilwell, Kansas

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

Company nameAddressZip codePhone number
Commerce Bank 137 W Maple St, Columbus, KS 66725 +1 (620) 429 - 2515
CheckSmart 4996 Roe Ave, Roeland Park, KS 66205 +1 (913) 362 - 4100
Central National Bank Commercial Lending Office 3140 Nieder Rd, Lawrence, KS 66047 +1 (785) 838 - 1975
Ag Resource Management 1805 E Mary St B, Garden City, KS 67846 +1 (620) 371 - 4855
First Option Bank Horton 1505 Central Ave, Horton, KS 66439 +1 (913) 557 - 0800
Western Union Check Into Cash, 1004 W 8th St Ste 80, Wellington, KS 67152 +1 (620) 399 - 8914
The Bank 1195 S Range Ave, Colby, KS 67701 +1 (785) 460 - 2000
First Option Bank LaCygne 502 E Market St, Lacygne, KS 66040 +1 (913) 557 - 0800
FNB Washington 101 C St, Washington, KS 66968 +1 (785) 325 - 2221
Midway Motors Cadillac in McPherson 2045 E Kansas Ave 2, McPherson, KS 67460 +1 (620) 241 - 0235

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stilwell, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loan Companies in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS and 24-Hour Loan in Olathe, 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 Stilwell, KS.

Beautiful sights of Stilwell, KS

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

66085

Are Payday Loans Legal In Stilwell, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Stilwell, 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 Stilwell, 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

Stilwell, KS payday loan calculator

Payday Loans in Stilwell, Kansas: A Comprehensive Guide

Are you considering taking out a payday loan in Stilwell, Kansas? Payday loans can be a helpful source of quick cash, but it’s important to understand the terms and risks involved before proceeding. In this guide, we’ll cover everything you need to know about payday loans in Stilwell, from the application process to state regulations and beyond.

What are payday loans?

Payday loans are a type of short-term loan that is meant to cover unexpected expenses or cash shortages between paydays. Typically, payday loans are small (usually $500 or less) and are meant to be repaid in full on your next payday or within a few weeks of taking out the loan.

While payday loans can be a convenient source of quick cash, they come with high interest rates and fees. In some cases, borrowers can find themselves trapped in a cycle of debt, unable to repay their loan and forced to take out additional loans to cover the fees and interest.

Applying for a payday loan in Stilwell, Kansas

The application process for a payday loan in Stilwell is generally simple and straightforward. You’ll need to provide your personal information, such as your name, address, and phone number, as well as proof of income and identification.

Once you’ve submitted your application, you’ll typically receive a decision within a few minutes. If you’re approved, you’ll receive the funds directly in your bank account within one to two business days.

State regulations on payday loans in Stilwell, Kansas

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. Lenders are required to comply with a number of regulations, including:

  • A maximum loan amount of $500
  • A maximum term of 30 days
  • A maximum fee of 15% of the loan amount
  • Prohibition of rollovers or renewals of loans

It’s important to be aware of these regulations when applying for a payday loan in Stilwell. Make sure to read the terms and conditions of any loan agreement carefully to ensure you understand the fees and repayment terms.

Benefits and drawbacks of payday loans

Like any financial product, payday loans come with their own set of benefits and drawbacks. Some potential benefits of payday loans include:

  • Quick and easy access to cash
  • No credit check required
  • No collateral required

However, there are also several drawbacks to consider before taking out a payday loan:

  • High fees and interest rates
  • Risk of falling into a cycle of debt
  • Short repayment terms

Interesting Facts and Statistics About Payday Loans in Stilwell, Kansas

  • As of 2021, the average interest rate on payday loans in Kansas is 391%.
  • In 2019, Kansans took out over 685,000 payday loans, totaling over $267 million in loans.
  • The average payday loan in Kansas is $330.
  • Approximately 80% of payday loans in Kansas are taken out by borrowers who end up taking out seven or more loans in a year.

Apply Now

If you’ve decided that a payday loan is the right choice for your financial situation, TheGuaranteedLoans can help you find a lender. As a connector service, we can facilitate your connection with potential lenders who may be willing to offer you a loan.

Simply fill out our online application form, providing your personal information and loan details, and we’ll match you with a lender who may be able to offer you the funds you need. Remember, TheGuaranteedLoans is not a direct lender, and our service is entirely free to use.

Conclusion

Payday loans can be a helpful source of quick cash, but it’s important to understand the terms and risks involved. By following the state regulations in Kansas and carefully considering the benefits and drawbacks, you can make an informed decision about whether a payday loan is right for you.

If you do decide to take out a payday loan in Stilwell, be sure to use TheGuaranteedLoans to find a lender who may be able to offer you the funds you need. With our easy online application process, you can get started today.

F.A.Q.

Can a payday lender garnish my wages in Stilwell, Kansas if I default on my loan?

Yes, if you default on your payday loan in Stilwell, Kansas, the lender may be able to garnish your wages to recover the funds. This means that a portion of your paycheck will be withheld and used to pay off your debt.

Can a payday lender seize my assets in Stilwell, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in Stilwell, Kansas if you default on your loan. However, the lender may be able to take legal action to recover the funds, which could include wage garnishment or other consequences.