Payday Loans in Viola, Kansas

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

Company nameAddressZip codePhone number
Meritrust Credit Union - Manhattan 104 McCall Rd, Manhattan, KS 66502 +1 (785) 320 - 7222
U.S. Bank ATM - White Lakes 3600 SW Topeka Blvd, Topeka, KS 66611 +1 (800) 872 - 2657
American Implement 3670 US-40, Oakley, KS 67748 +1 (785) 672 - 3272
Mastercard 17501 W 98th St, Lenexa, KS 66219 +1 (913) 890 - 9034
Securities America Inc 5846 W 21st St 300, Wichita, KS 67205 +1 (316) 943 - 9333
Barri Agent 1103 Vine St, Hays, KS 67601
Armed Forces Bank 2901 S 4th St, Leavenworth, KS 66048 +1 (913) 364 - 3730
Azura Credit Union 5326 Ashby Ave, Fort Riley, KS 66442 +1 (785) 233 - 5556
Equity Bank ATM 1503 N Kansas Ave, Liberal, KS 67901 +1 (888) 733 - 5049
Union State Bank ATM 121 W 9th Ave, Winfield, KS 67156 +1 (620) 221 - 3040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Viola, 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, Emergency Loan in Lawrence, KS, Quick Loan in Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Emergency Loan in Manhattan, KS and Payday Loans 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 Viola, KS.

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

67149

Are Payday Loans Legal In Viola, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Viola, 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 Viola, 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

Viola, KS payday loan calculator

Payday Loans in Viola, Kansas: Everything You Need to Know

Payday loans are a form of short-term financing that allows borrowers to access cash quickly. They’re often used to cover unexpected expenses or emergencies. While payday loans are legal in Kansas, it’s essential to understand the regulations and requirements to ensure you’re making an informed decision.

How Do Payday Loans Work in Viola, Kansas?

In Kansas, payday loans are regulated by the Office of the State Bank Commissioner. Payday lenders in Viola, Kansas, can charge up to 15% on the loan’s value, with a maximum loan amount of $500. The loan term must be between seven and 30 days.

To take out a payday loan in Viola, Kansas, you’ll need to provide proof of employment, income, and a valid ID. The lender will use this information to determine your eligibility for the loan and the loan amount you qualify for.

Once approved, you’ll receive the funds, usually as a direct deposit into your checking account, within 24 hours. On the loan’s due date, the lender will automatically deduct the loan amount plus fees and interest from your bank account.

The Pros and Cons of Payday Loans

Payday loans can be a lifesaver for those facing unexpected financial emergencies, but they also come with their fair share of risks. Let’s take a look at the pros and cons of payday loans in Viola, Kansas.

Pros

  • Quick Access to Cash: With payday loans, you can access funds quickly to cover expenses or emergencies.
  • No Credit Requirements: You don’t need a good credit score to qualify for a payday loan since lenders base eligibility on your income and employment status.

Cons

  • High-Interest Rates: Payday loans in Viola, Kansas, come with high-interest rates, which can make it challenging to pay back the loan on time.
  • Short Repayment Terms: The repayment term for payday loans is usually around 30 days, which can be difficult for some borrowers to meet.
  • Debt Cycle: Some borrowers end up in a debt cycle, taking out multiple payday loans to cover the initial loan’s costs, leading to excessive debt and financial hardship.

Interesting Payday Loans Facts and Statistics in Viola, Kansas

  • As of 2021, more than 16,000 Kansas residents took out payday loans.
  • The typical payday loan in Kansas has an annual percentage rate (APR) of 391%.
  • In Kansas, the average payday loan amount is $300.
  • Payday loans are popular among low-income and minority households in Kansas.

Apply Now for a Payday Loan in Viola, Kansas

If you’re facing a financial emergency or unexpected expense, payday loans in Viola, Kansas, could be a viable option to consider. At TheGuaranteedLoans, we’re dedicated to connecting borrowers with potential lenders to ensure they find the financing that meets their needs.

As a connector service, we work with a network of trusted lenders to provide our clients with access to payday loans in Viola, Kansas. Simply fill out our online application form to get started. We’ll review your information and match you with a lender who can meet your financial needs.

Apply now and take your first step towards quick and easy financing.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Viola, Kansas?

No, taking out a payday loan in Viola, Kansas is not a crime. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

Can a payday lender take legal action against me in Viola, Kansas if I default on my loan?

Yes, if you default on your payday loan in Viola, Kansas, the lender may take legal action to recover the funds. This could include wage garnishment, a judgment against you, or other legal action. It is important to communicate with the lender and try to come up with a repayment plan if you are unable to make your payments on time.