Payday Loans in Wakefield, Kansas

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

Company nameAddressZip codePhone number
Frontier Community Credit Union 506 S 4th St, Leavenworth, KS 66048 +1 (913) 651 - 6575
Cash 2 Go 104 E Logan St, Ottawa, KS 66067 +1 (785) 242 - 8003
Marquette Farmers State Bank 205 N Washington St, Marquette, KS 67464 +1 (785) 546 - 2292
Byron Bird & Associates Chartered: Urban Stephanie CPA 224 N Lincoln Ave, Liberal, KS 67901 +1 (620) 624 - 1994
Advance America 12848 W 87th St, Lenexa, KS 66215 +1 (913) 495 - 9715
First Option Bank Elwood 209 Roseport Rd, Elwood, KS 66024 +1 (913) 557 - 0800
Commerce Bank 2740 Claflin Rd, Manhattan, KS 66502 +1 (785) 537 - 1234
Advance America 204 E. Parkway Blvd., Liberal, KS 67901 +1 (620) 626 - 7115
Wichita Federal Credit Union 455 N Main St 410, Wichita, KS 67202 +1 (316) 941 - 0600
Emprise Bank 100 Randall St, Potwin, KS 67123 +1 (620) 752 - 3214

Payday Loan Companies in Nearby Cities

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

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

67487

Are Payday Loans Legal In Wakefield, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Wakefield, 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 Wakefield, 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

Wakefield, KS payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Wakefield, Kansas

Are you living in Wakefield, Kansas, and considering taking out a payday loan? In this article, we will cover everything you need to know about payday loans in Wakefield and offer some valuable insights to help guide your decision-making process.

What are Payday Loans?

A payday loan is a short-term loan that allows borrowers to get cash quickly. The borrower typically pays back the loan plus interest and fees with their next paycheck.

Payday loans are meant to be a last resort option and should only be used in times of financial emergency. Borrowers should carefully consider all options before taking out a payday loan as they can often come with high interest rates and fees.

Payday Loans in Wakefield, Kansas

Payday loans are legal in the state of Kansas, including Wakefield. The maximum loan amount a borrower can take out is $500, and the loan term cannot exceed 31 days.

While payday loans can be helpful in emergencies, it’s important to remember that they come with high interest rates and fees. In the state of Kansas, the maximum interest rate on a payday loan can be up to 390%. This means that borrowing $100 could result in paying back up to $490.

How to Apply for a Payday Loan in Wakefield

If you decide to pursue a payday loan in Wakefield, there are a few things you will need to provide. You will need to show that you have a steady source of income by providing either a pay stub or bank statement. You will also need to provide a valid government-issued ID and proof of residency in Wakefield.

Once you have gathered the necessary documentation, you can apply for a payday loan either online or in-store. Keep in mind that some lenders may have different requirements, so it’s important to research and compare lenders before choosing the one that’s right for you.

Interesting Facts and Statistics about Payday Loans in Wakefield, Kansas

  • According to the Kansas Office of the State Bank Commissioner, there were 114 licensed payday loan companies in Kansas in 2020.
  • In 2020, Kansas payday loan borrowers took out an average of 2.6 loans each, totaling an average of $428 per loan.
  • The state of Kansas caps the interest rate for payday loans at 15% for loans between $0 and $300 and 10% for amounts greater than $300.

Apply Now with TheGuaranteedLoans

If you’ve decided that a payday loan is the best option for you, TheGuaranteedLoans can help you connect with potential lenders. Fill out our online application, and we will provide you with lender options who may be willing to work with you.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but a connector service. We offer a quick and easy application process and provide personalized loan offers within minutes.

Conclusion

Payday loans can be a helpful option for those in financial emergencies but come with high-interest rates and fees. If you’ve decided that a payday loan is the best option for you, make sure to research and compare lenders before selecting the one that’s right for you.

At TheGuaranteedLoans, we are committed to providing you with personalized loan offers and helping connect you with potential lenders. Fill out our online application today to explore your options.

F.A.Q.

Can I be arrested for not repaying a payday loan in Wakefield, Kansas?

No, you cannot be arrested for not repaying a payday loan in Wakefield, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.

Are there alternatives to payday loans in Wakefield, Kansas?

Yes, there are alternatives to payday loans in Wakefield, Kansas, such as borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit organization.

Look for Short-Term Loans in Other Cities:

Hutchinson Kansas City Lawrence Leavenworth Leawood Lenexa Manhattan Olathe Overland Park Salina Shawnee Topeka Wichita
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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