Payday Loans in Westphalia, Kansas

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

Company nameAddressZip codePhone number
Quik Cash 932 W 6th St, Junction City, KS 66441 +1 (785) 238 - 1419
Gerber Collision & Glass 5617 W Kellogg Ave, Wichita, KS 67209 +1 (316) 945 - 7007
Solomon State Bank 126 W Main St, Solomon, KS 67480 +1 (785) 655 - 2941
Merrill Lynch Wealth Management 3401 College Blvd, Leawood, KS 66211 +1 (913) 906 - 5200
Farmers State Bank 412 W Commercial St, Fairview, KS 66425 +1 (785) 467 - 3560
Securities America Inc 5846 W 21st St 300, Wichita, KS 67205 +1 (316) 943 - 9333
First National Bank & Trust 225 State St, Phillipsburg, KS 67661 +1 (785) 543 - 6511
American Implement 3670 US-40, Oakley, KS 67748 +1 (785) 672 - 3272
Loanmax Title Loans 10321 W 75th St, Shawnee, KS 66214 +1 (913) 534 - 8310
LendNation 2146 Planet Ave, Salina, KS 67401 +1 (785) 404 - 6353

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Westphalia, 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, Online Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Emergency Loan in Lawrence, KS, 24-Hour Loan in Leavenworth, KS, Payday Loans in Leawood, KS and Emergency Loan 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 Westphalia, KS.

Beautiful sights of Westphalia, KS

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

66093

Are Payday Loans Legal In Westphalia, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Westphalia, 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 Westphalia, 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

Westphalia, KS payday loan calculator

Understanding Payday Loans in Westphalia, Kansas

Payday loans are a popular form of short-term lending across the United States. Typically marketed towards those with poor credit scores or those in need of quick cash, payday loans can help individuals cover unexpected expenses or tide them over until their next paycheck arrives.

For residents of Westphalia, Kansas, payday loans are legal and regulated under Kansas state law. In this article, we’ll take a closer look at how payday loans work in Westphalia, the regulations surrounding these loans, and what you should consider before taking out a payday loan in Westphalia.

What Are Payday Loans?

Payday loans are short-term loans designed to bridge the gap between paychecks. These loans are typically for small amounts, ranging from $100 to $1000, and are intended to be paid back within 2-4 weeks.

The loan is usually secured against the borrower’s next paycheck, meaning that the borrower agrees to repay the loan plus interest out of their next paycheck.

Payday Loans in Westphalia, Kansas

Payday loans are legal and regulated in the state of Kansas, including in Westphalia. Lenders are required to be licensed and regulated by the Kansas Office of the State Bank Commissioner, which ensures that lenders adhere to state regulations and consumer protections.

In Westphalia, Kansas, payday loans are subject to the following regulations:

  • Loan term: The loan term cannot exceed 30 days.
  • Loan amount: The loan amount cannot exceed $500.
  • Interest rates: Lenders can charge up to 15% interest on a loan, meaning a borrower could pay up to $75 in interest on a $500 loan.
  • Loan limits: A borrower can only have two outstanding payday loans at any one time, and those loans cannot total more than $500.

Considerations Before Taking Out a Payday Loan

While payday loans can be a useful tool for those in need of quick cash, it’s important to consider the potential downsides before taking one out.

Firstly, payday loans can be very expensive, with interest rates and fees often adding up to several times the amount borrowed. In addition, if a borrower is unable to repay the loan on time, they may be hit with additional fees and interest, which can quickly spiral into a cycle of debt.

It’s also worth noting that payday loans are typically only suitable for short-term borrowing needs. For longer-term borrowing, such as for a major purchase or debt consolidation, a different type of loan (such as an installment loan or personal loan) may be more appropriate.

Interesting Facts and Statistics

  • As of 2021, there are over 300 payday lending locations in Kansas.
  • In 2020, Kansas residents borrowed a total of $250 million in payday loans.
  • The average payday loan in Kansas is for $327, with an average interest rate of 391%.

Apply Now

If you’re in need of quick cash and are considering a payday loan in Westphalia, Kansas, TheGuaranteedLoans can help connect you with potential lenders. As a connecting service and not a direct lender, we aim to help you find the right lender for your needs and circumstances.

To get started, simply fill out our online application form. We’ll then match you with potential lenders who may be able to provide a payday loan that meets your needs and circumstances. Apply now and take the first step towards securing the funds you need!

F.A.Q.

Can I be charged with a crime for not repaying a payday loan in Westphalia, Kansas?

No, you cannot be charged with a crime for not repaying a payday loan in Westphalia, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

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

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