Payday Loans in West Mineral, Kansas

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

Company nameAddressZip codePhone number
Central Bank 405 E Nelson St, Edgerton, KS 66021 +1 (913) 856 - 1070
Farmers Enterprises Inc 1017 Harrison St, Great Bend, KS 67530 +1 (620) 792 - 2411
Double Eagle Firearms & Pawn 104 S Summit St, Arkansas City, KS 67005 +1 (620) 442 - 4868
Golden Plains Credit Union 2720 Broadway Ave, Hays, KS 67601 +1 (785) 628 - 1007
MoneyGram 610 Fort Riley Blvd, Manhattan, KS 66502 +1 (785) 323 - 0044
Phillips Lawn Care 909 S National Ave, Fort Scott, KS 66701 +1 (620) 224 - 4827
Waddell & Reed, Inc. - Financial Advisors 502 W 6th Ave, Emporia, KS 66801 +1 (620) 343 - 3142
Allmetal Recycling-Harper 214 Ash St, Harper, KS 67058 +1 (620) 896 - 2502
Emprise Bank 201 Ross Ave St, Clearwater, KS 67026 +1 (620) 584 - 2201
Jackson Hewitt Tax Service 3503 10th St, Great Bend, KS 67530 +1 (785) 827 - 7889

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in West Mineral, KS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Leavenworth, KS, Guaranteed Loans in Leawood, KS, Payday Loans in Lenexa, KS, Short-term Loans in Manhattan, KS, Guaranteed Loans in Olathe, KS, Same Day Loans in Overland Park, KS, Payday Loans in Salina, KS and Payday Loans in Shawnee, 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 West Mineral, KS.

Beautiful sights of West Mineral, KS

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

66782

Are Payday Loans Legal In West Mineral, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to West Mineral, 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 West Mineral, 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

West Mineral, KS payday loan calculator

Exploring Payday Loans in West Mineral, Kansas

Payday loans can be a convenient way to access quick cash when you need it most, especially in states where they are legal. If you are based in West Mineral, Kansas, and have found yourself in need of a short-term loan, you may be interested in learning more about payday loan options that are available to you.

What are Payday Loans?

A payday loan, also known as a cash advance loan, is a short-term loan offered by a lender. The loan is typically due on your next payday, which is why it is referred to as a ‘payday loan.’

Payday loans are often sought after by individuals who are in need of emergency funds to cover unexpected expenses or make ends meet. The loan process typically involves a simple application that can be completed online or in-store.

Payday Loans in West Mineral, Kansas

Payday loans are legal in the state of Kansas, including in the city of West Mineral. The state follows industry regulations to ensure that borrowers are protected from predatory lending practices.

In West Mineral, KS, payday lenders are required to be licensed by the Office of the State Bank Commissioner.

How to Apply for a Payday Loan in West Mineral, Kansas

If you are interested in applying for a payday loan in West Mineral, Kansas, you can start by researching licensed lenders in your area. TheGuaranteedLoans website can help connect you with potential lenders in West Mineral and the surrounding areas.

When applying for a payday loan, you will typically need to provide your personal information, including your name, address, and employment details. Lenders may also require a postdated check or access to your bank account to deposit the loan proceeds and withdraw repayment on the due date.

The Benefits and Risks of Payday Loans

Like any financial product, payday loans come with both benefits and risks that should be carefully considered before applying.

Benefits:

  • Quick access to cash when you need it most
  • Flexible eligibility criteria
  • Ability to build credit with responsible borrowing and repayment habits

Risks:

  • High-interest rates that can lead to a cycle of debt
  • Potential for predatory lending practices
  • Only considered for short-term financial needs

Interesting Facts and Statistics About Payday Loans in West Mineral, Kansas

  • Kansas law caps loans at $500 each and limits a borrower from having more than two active loans totaling no more than $500 at one time.
  • The average payday loan borrower in Kansas takes out eight payday loans per year.
  • The average interest rate on a payday loan in Kansas is 391%, with an average finance charge of $15 per $100 borrowed.

Applying for a Payday Loan online with TheGuaranteedLoans

If you are in need of a payday loan in West Mineral, Kansas, TheGuaranteedLoans can help connect you with potential lenders in your area. Our application process is simple and straightforward, and we work with a variety of lenders to help find the best loan option for you.

It is important to keep in mind that TheGuaranteedLoans is a connector service and not a direct lender. We do not make credit decisions, and we cannot guarantee loan approval. However, we do make every effort to connect our applicants with reputable lenders who offer fair loan terms and conditions.

Final Thoughts

If you are in need of a short-term loan to cover unexpected expenses or make ends meet, a payday loan can be a viable option. However, it is important to carefully consider the terms and conditions of any loan offer before accepting it.

Always ensure that you are working with a licensed lender and that you fully understand the loan repayment terms. By doing your research and planning responsibly, you can utilize payday loans safely and effectively.

Don’t hesitate to reach out to TheGuaranteedLoans team for assistance in finding the perfect payday loan for you. Our team of financial experts is always ready to provide guidance and connect you with potential lenders in your area.

Apply now and get access to fast cash when you need it most.

F.A.Q.

Can a payday lender seize my assets in West Mineral, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in West Mineral, 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.

Can I be sued for not repaying a payday loan in West Mineral, Kansas?

Yes, if you default on your payday loan in West Mineral, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.