Payday Loans in Waldo, Kansas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Advance America 1802 W Main St c, Independence, KS 67301 +1 (620) 331 - 7986
United States Postal Service 416 S Kansas Ave, Lane, KS 66042 +1 (800) 275 - 8777
TitleMax Title Loans 1730 W 23rd St, Lawrence, KS 66046 +1 (785) 229 - 0972
Cooperative Credit Union 313 W 9th St, Coffeyville, KS 67337 +1 (620) 251 - 5290
Centera Bank 119 S Inman St, Sublette, KS 67877 +1 (620) 675 - 8611
Heartland Credit Union 2201 S Kansas Ave, Newton, KS 67114 +1 (316) 283 - 8896
Miller's Automotive 307 E 18th St 4921, Concordia, KS 66901 +1 (785) 243 - 7233
Community National Bank & Trust 102 N 4th, Neodesha, KS 66757 +1 (620) 325 - 2900
Euler Bob 400 Shawnee St, Leavenworth, KS 66048 +1 (913) 772 - 0333
Waddell & Reed, Inc. - Financial Advisors 209 Leonard St Suite B, Onaga, KS 66521 +1 (785) 556 - 0065

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waldo, KS, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Manhattan, KS, Payday Loan Without a Credit Check in Olathe, KS, 24-Hour Loan in Overland Park, KS, Bad Credit Loans in Salina, KS, Guaranteed Loans in Shawnee, KS, Same Day Loans in Topeka, KS, Short-term Loans in Wichita, KS and Payday Loan Without a Credit Check in Hutchinson, 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 Waldo, KS.

Beautiful sights of Waldo, KS

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

67673

Are Payday Loans Legal In Waldo, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Waldo, 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 Waldo, 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

Waldo, KS payday loan calculator

Exploring Payday Loans in Waldo, Kansas

If you find yourself in a financial emergency, you may consider taking out a payday loan. These short-term loans are designed to help you bridge the gap until your next payday. And in Waldo, Kansas, they’re legal. But before you sign on the dotted line, it’s important to understand how payday loans work and what you need to know before taking out this type of loan.

What Are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that borrowers can access quickly. These loans usually range from $50 to $1,500 and are designed to help you navigate unexpected expenses or emergencies. The loan is repaid when you receive your next paycheck or, in some cases, when you receive your next social security check or other regular source of income.

What to Consider Before You Apply

While payday loans can be a valuable resource in an emergency, there are several factors to consider before applying. These include:

  • Interest rates: Payday loans come with incredibly high interest rates. In Kansas, payday loan lenders can legally charge up to 15% interest on loans up to $1,000 and up to 10% interest on loans over $1,000.
  • Repayment: Payday loans must be repaid in a short amount of time, usually within one to two weeks. If you can’t repay the loan on time, you may be subject to additional fees or even legal action.
  • Credit check requirements: Most payday lenders do not require a credit check to get approval for a loan. However, some lenders may conduct a soft credit check, which can temporarily lower your credit score.
  • Loan amount: Payday loan amounts are limited to $500 in Kansas.

Applying for a Payday Loan in Waldo, Kansas

If you’ve considered your options and have decided to apply for a payday loan in Waldo, Kansas, there are a few things you need to know.

First, you need to be at least 18 years old and have a steady source of income. You’ll also need to provide your social security or tax identification number, and you’ll need to provide proof of income and residency.

Once you’ve provided all the necessary information, the lender will review your application and either approve or deny your loan request. If you’re approved, you’ll receive the loan amount in cash or the funds will be deposited directly into your bank account. You’ll then need to repay the loan, plus interest and any fees, on your next payday.

Interesting Facts and Statistics About Payday Loans in Waldo, Kansas

  • In 2019, Kansas residents took out more than 900,000 payday loans, borrowing more than $300 million.
  • The average payday loan borrower in Kansas takes out eight loans per year and spends an average of 63 days each year in debt from payday loans.
  • Kansas has some of the least restrictive payday loan laws in the country, with lenders allowed to charge up to 391% APR on a $500 loan.

Apply Now

If you’re in need of emergency funds and have considered all the factors of a payday loan, it’s time to take the next step. At TheGuaranteedLoans, we’re here to connect you with potential lenders. Simply fill out our online application and we’ll match you with lenders based on your information. You’re under no obligation to accept any offers, and our service is completely free to use.

Remember, payday loans should be a last resort in an emergency situation. If you have other options, such as borrowing from family or friends or taking out a personal loan, consider those first. And if you do decide to take out a payday loan in Waldo, Kansas, be sure to read the terms and conditions carefully and understand the full cost of the loan before signing on the dotted line.

F.A.Q.

Can I extend or renew my payday loan in Waldo, Kansas?

Yes, you can extend or renew your payday loan in Waldo, Kansas, but keep in mind that this will result in additional fees and interest charges. It is recommended to only consider this option if you are unable to repay the loan on time and have no other options available.

Can I cancel a payday loan in Waldo, Kansas after I have signed the contract?

Yes, you have the right to cancel a payday loan in Waldo, Kansas within three business days of signing the contract. This is known as the "right of rescission," and you can do so by contacting the lender in writing and returning any funds you have received.