Payday Loans in Williamsburg, Kansas

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

Company nameAddressZip codePhone number
Patriots Bank 114 E Central Ave, Richmond, KS 66080 +1 (785) 835 - 6145
Midwest Title Loans Kansas 2500 State Ave, Kansas City, KS 66102 +1 (913) 281 - 9997
Olpe State Bank 202 Westphalia St, Olpe, KS 66865 +1 (620) 475 - 3213
Stonecreek Financial Solutions 204 S. Santa Fe St 2, Salina, KS 67401 +1 (785) 493 - 8220
American Payday Loans 1910 Haskell Ave., Ste 4, Lawrence, KS 66046 +1 (888) 202 - 9026
White Eagle Credit Union 2830 Ohio St, Augusta, KS 67010 +1 (316) 775 - 7591
Meritrust Credit Union - Lawrence 650 Congressional Dr, Lawrence, KS 66049 +1 (785) 856 - 7878
Lincoln Financial Advisors 241 S Hillsdale Dr, Wichita, KS 67230 +1 (316) 685 - 5311
Azura Credit Union ATM 2597 Trooper Dr, Fort Riley, KS 66442 +1 (785) 233 - 5556
GNBank 110 N Main St, Bucklin, KS 67834 +1 (620) 826 - 3221

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Williamsburg, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Salina, KS, Payday Loans in Shawnee, KS, Payday Loans in Topeka, KS, Payday Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Online Loans in Lawrence, KS and Payday Loans in Leavenworth, 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 Williamsburg, KS.

Beautiful sights of Williamsburg, KS

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

66095

Are Payday Loans Legal In Williamsburg, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Williamsburg, 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 Williamsburg, 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

Williamsburg, KS payday loan calculator

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

Payday loans are a type of short-term loan that is designed to help individuals cover small, unexpected expenses. These loans can be helpful when used responsibly, but they can also lead to a cycle of debt if not managed properly. In the state of Kansas, payday loans are legal and regulated, but there are important considerations to keep in mind if you are considering taking out a payday loan in Williamsburg or elsewhere in the state.

How Payday Loans Work in Kansas

In Kansas, the maximum loan amount for a payday loan is $500. Lenders may not charge more than 15% interest on the loan amount, which means that a $100 loan will typically have a finance charge of $15. Additionally, lenders may not roll over or renew a loan more than twice. This means that if you take out a loan and cannot pay it back on time, you will be required to pay off the loan in full before taking out another loan from the same lender.

How to Apply for a Payday Loan in Williamsburg, Kansas

To apply for a payday loan in Williamsburg, Kansas, you will typically need to provide proof of income, such as a recent pay stub or bank statement. You will also need to provide your social security number and a government-issued ID, such as a driver’s license. The application process is usually quick and easy, and you can often receive funds within one business day.

The Risks of Payday Loans

While payday loans can be helpful in an emergency situation, they can also create a cycle of debt if not managed properly. The high interest rates charged on these loans can make it difficult to pay back the loan amount on time, leading to additional fees and finance charges. It is important to carefully consider your options before taking out a payday loan and to only borrow what you can afford to pay back on time.

Interesting Facts and Statistics

  • According to the Kansas Department of Credit Unions, the average borrower takes out eight payday loans per year.
  • A 2013 study by the Pew Charitable Trusts found that the average payday loan borrower spends five months out of the year in debt with payday loans.
  • In Kansas, there are more than 300 payday lending locations serving the state’s 2.9 million residents.

Apply Now

If you find yourself in need of a payday loan in Williamsburg, Kansas, TheGuaranteedLoans can help connect you with potential lenders. It is important to remember that we are a connector service and not a direct lender. We are dedicated to helping borrowers find the best loan options for their individual needs and financial situations. By filling out an online application, you can quickly and easily get connected with lenders who may be able to provide the funds you need to cover unexpected expenses.

Remember to only borrow what you can afford to pay back on time and to carefully read the terms of any loan agreement before signing. With responsible borrowing, payday loans can be a helpful tool for managing unexpected expenses.

F.A.Q.

Can payday loan lenders in Williamsburg, Kansas garnish my wages if I default on my loan?

Yes, payday loan lenders in Williamsburg, Kansas have the right to garnish your wages if you default on your loan. However, they must first obtain a judgment from the court, and the amount garnished cannot exceed 25% of your disposable income.

Can I file for bankruptcy to discharge my payday loan debt in Williamsburg, Kansas?

Yes, you can file for bankruptcy to discharge your payday loan debt in Williamsburg, Kansas. However, keep in mind that bankruptcy is a serious decision that can have long-term consequences on your credit and financial situation. It is recommended to explore all other options before considering bankruptcy.