Payday Loans in Wakarusa, Kansas

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

Company nameAddressZip codePhone number
Lyons Federal Bank 200 East Ave S, Lyons, KS 67554 +1 (620) 257 - 2316
Citizens Credit Co 1400 SW 17th St, Topeka, KS 66604 +1 (785) 233 - 1495
Crossroads Credit Union 217 E Main St, Goessel, KS 67053 +1 (620) 367 - 2285
Speedy Cash 3133 E Douglas Ave, Wichita, KS 67211 +1 (316) 683 - 2274
Warnke Financial Services 10011 W 21st St 109, Wichita, KS 67205 +1 (316) 683 - 6254
Silver Lake Bank 209 Railroad St, Silver Lake, KS 66539 +1 (785) 582 - 4651
Walmart Money Center 2710 N Broadway St, Pittsburg, KS 66762 +1 (620) 232 - 1593
A Money Zone Inc. 314 E Chestnut St, Junction City, KS 66441 +1 (785) 223 - 5560
Emerald Bank 305 E Main St, Oxford, KS 67119 +1 (620) 455 - 3326
Check Into Cash 1543 N Kansas Ave b, Liberal, KS 67901 +1 (620) 626 - 5388

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wakarusa, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Overland Park, KS, Short-term Loans in Salina, KS, Payday Loans in Shawnee, KS, Guaranteed Loans in Topeka, KS, Payday Loans in Wichita, KS, Payday Loan for Hutchinson, KS, Payday Loans in Kansas City, KS and Payday Loans in Lawrence, 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 Wakarusa, KS.

Beautiful sights of Wakarusa, KS

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

66546

Are Payday Loans Legal In Wakarusa, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Wakarusa, 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 Wakarusa, 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

Wakarusa, KS payday loan calculator

Payday Loans in Wakarusa, Kansas: What You Need to Know

Are you in a financial bind and need quick cash to cover unexpected expenses? If you’re a resident of Wakarusa, Kansas, you may be considering a payday loan to help you bridge the financial gap until your next paycheck arrives. But what are payday loans, and how do they work in Kansas? In this article, we’ll take a closer look at payday loans in Wakarusa, Kansas, and provide you with all the information you need to make an informed decision about whether a payday loan is right for you.

What are Payday Loans?

A payday loan is a type of short-term loan that’s designed to help people get access to quick cash when they’re facing a financial emergency. Payday loans are typically small-dollar loans, ranging from $100 to $500, although some lenders may offer loans up to $1,000. The loan is generally due on your next payday, which is typically within two weeks to a month.

Payday loans can be a useful tool for covering unexpected expenses, such as car repairs, medical bills, or utility bills. However, they should only be used as a last resort, as they often come with high interest rates and fees.

How do Payday Loans Work in Kansas?

In Kansas, payday loans are legal, but there are some regulations in place to protect consumers from predatory lending practices. In Kansas, payday lenders are required to be licensed by the state, and are only allowed to charge fees up to 15% of the loan amount.

Kansas also has laws in place to prevent borrowers from getting trapped in a cycle of debt. Under Kansas law, payday lenders are required to offer borrowers an extended payment plan at no additional cost if they’re unable to repay the loan in full on the due date.

Applying for a Payday Loan in Wakarusa, Kansas

If you’re considering a payday loan in Wakarusa, Kansas, it’s important to do your research and find a reputable lender that’s licensed by the state. TheGuaranteedLoans can help connect you with potential lenders in Wakarusa and throughout Kansas.

When applying for a payday loan, you’ll need to provide some basic information, such as your name, address, and employment information. You’ll also need to provide your bank account information so that the lender can deposit the funds directly into your account.

Interest Rates and Fees

It’s important to understand the interest rates and fees associated with payday loans in Wakarusa, Kansas. Kansas law limits the fees that payday lenders can charge to 15% of the loan amount. For example, if you borrow $300, the maximum amount of fees that can be charged is $45.

However, it’s important to keep in mind that the interest rates on payday loans can be very high, often reaching triple digits. This means that if you’re unable to repay the loan on time, the fees and interest can quickly add up, and you could find yourself in a cycle of debt.

Facts and Statistics

  • According to the Kansas Office of the State Bank Commissioner, there were 326 licensed payday lenders in Kansas as of 2021.
  • Kansas law limits the amount of payday loans that a borrower can have outstanding at any one time to two loans of up to $500 each, or a total of $1,000.
  • The average payday loan in Kansas is for $305, with an average fee of $54 per loan.
  • Kansas payday lenders made over 870,000 loans in 2020, totaling over $265 million in loan volume.

Apply Now

If you’re considering a payday loan in Wakarusa, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and we work with a network of reputable lenders throughout Kansas.

To get started, simply fill out our online application form and we’ll match you with lenders who may be able to offer you the cash you need. Our application process is fast, easy, and secure, and there’s no obligation to accept any loan offers.

Conclusion

Payday loans can be a useful tool for covering unexpected expenses, but they should be used with caution. If you’re considering a payday loan in Wakarusa, Kansas, it’s important to do your research and find a reputable lender that’s licensed by the state. With TheGuaranteedLoans, you can connect with potential lenders quickly and easily, and get the cash you need to cover your expenses.

F.A.Q.

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

Yes, if you default on your payday loan in Wakarusa, 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 Wakarusa, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in Wakarusa, 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.