Payday Loans in Vassar, Kansas

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

Company nameAddressZip codePhone number
Midway Motors Ford Lincoln 2075 E Kansas Ave 1, McPherson, KS 67460 +1 (620) 241 - 0000
Farmers State Bank 517 S Oak St, Garnett, KS 66032 +1 (785) 448 - 5451
Advance America 1103 W Crawford St e, Salina, KS 67401 +1 (785) 823 - 2790
Title & Payday Loans Manhattan, KS 66503
Advance America 2522 Vine St Unit 2, Hays, KS 67601 +1 (785) 625 - 6045
ACE Cash Express 601 Kasold Dr Ste C104, Lawrence, KS 66049 +1 (785) 749 - 3800
First National Bank 908 N Main St, Garden City, KS 67846 +1 (620) 276 - 6971
Frontier Farm Credit 1270 N 300 Rd, Baldwin City, KS 66006 +1 (785) 594 - 2900
Caney Banking Center E 4th Ave, Caney, KS 67333
Farmers National Bank 209 W Main St, Logan, KS 67646 +1 (785) 689 - 7455

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Vassar, KS

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

66543

Are Payday Loans Legal In Vassar, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Vassar, 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 Vassar, 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

Vassar, KS payday loan calculator

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

If you’re experiencing a financial crisis in Vassar, Kansas, you might be considering a payday loan. A payday loan is a small, short-term loan that is typically due on your next payday. It is meant to help you bridge the gap between paychecks but can come with high fees and interest rates. In this article, we’ll take a deep dive into payday loans in Vassar, Kansas, and give you all the information you need to make an informed decision about your finances.

How Payday Loans Work in Vassar, Kansas

Payday loans are legal in Kansas, but they are heavily regulated. According to the Kansas statutes, payday loans can be up to $500 and must be repaid within 31 days. Lenders cannot charge more than 15% of the loan amount as fees. In addition, they cannot extend a loan for more than two consecutive renewals, and each renewal must reduce the principal by at least 10%.

To get a payday loan in Vassar, Kansas, you’ll need to meet certain requirements. You must be at least 18 years old and have a steady source of income. You’ll also need to provide a valid ID, proof of income, and a checking account.

Pros and Cons of Payday Loans in Vassar, Kansas

Like any financial product, payday loans have their pros and cons. Here are some things to consider:

Pros:

  • Quick access to cash: You can usually get a payday loan the same day you apply
  • No credit check: Payday lenders don’t usually check your credit score, so you may be able to get a loan even with bad credit
  • Easier to qualify: Payday lenders are more lenient than traditional banks and may be willing to work with you even if you don’t have good credit or income

Cons:

  • High fees and interest rates: Payday loans can come with APRs as high as 391%, and the fees can add up quickly
  • Short repayment terms: You’ll have to repay the loan on your next payday, which can make it difficult to meet other financial obligations
  • Risk of borrowing too much: Since payday loans are easy to qualify for, you may be tempted to take out more than you can afford to repay

Interesting Facts and Statistics

– In Kansas, a borrower can have up to two loans at a time, with a total of $500.
– The average APR for a payday loan in Kansas is 391%.
– In 2019, more than 63,000 Kansans took out payday loans, with a total of $244 million borrowed.

Apply Now

If you need a payday loan in Vassar, Kansas, TheGuaranteedLoans can help. We are a connector service that works with a network of lenders to find you the best loan option for your needs. Simply fill out our online application, and we’ll match you with a lender who can provide the funds you need. Remember, we’re not a direct lender, and we will never charge you any fees for our service.

In conclusion, payday loans are legal in Vassar, Kansas, but they come with high fees and interest rates. If you’re considering a payday loan, make sure you understand all the terms and fees associated with it. And if you have any doubts, consider reaching out to a financial advisor or credit counselor who can help you explore other options.

F.A.Q.

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

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

What are the risks of taking out a payday loan in Vassar, Kansas?

Payday loans in Vassar, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.