Payday Loans in Wilson, Kansas

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

Company nameAddressZip codePhone number
Cash 2 Go Lansing 617 N Main St, Lansing, KS 66043 +1 (913) 250 - 0008
Country Club Bank 100 4-H Rd, Lansing, KS 66043 +1 (913) 351 - 0001
Hartford State Bank 208 Commercial St, Hartford, KS 66854 +1 (620) 392 - 5541
Affirmative Loan Co 110 E 23rd St, Fort Scott, KS 66701 +1 (620) 223 - 6100
Union State Bank 508 Dexter St, Clay Center, KS 67432 +1 (785) 632 - 3122
Azura Credit Union 5326 Ashby Ave, Fort Riley, KS 66442 +1 (785) 233 - 5556
First National Bank 1201 W Amity St, Louisburg, KS 66053 +1 (913) 837 - 5191
Bank of McLouth 117 N Union St, McLouth, KS 66054 +1 (913) 796 - 6133
Great Plains Federal Credit union 123 E Main St, Independence, KS 67301 +1 (620) 331 - 4060
Pony Express Community Bank 209 Roseport Rd, Elwood, KS 66024 +1 (913) 365 - 5156

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wilson, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Leawood, KS, Payday Loan Companies in Lenexa, KS, Payday Loans in Manhattan, KS, 24-Hour Loan in Olathe, KS, Guaranteed Loans in Overland Park, KS, 24-Hour Loan in Salina, KS, Payday Loans in Shawnee, KS and Online Loans in Topeka, 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 Wilson, KS.

Beautiful sights of Wilson, KS

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

67490

Are Payday Loans Legal In Wilson, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Wilson, 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 Wilson, 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

Wilson, KS payday loan calculator

Payday Loans in Wilson, Kansas: An Overview

If you’re in a financial pinch and need quick access to cash, you may be considering a payday loan. While these types of loans can be a lifesaver in certain situations, it’s important to understand the ins and outs of payday loans before you take the plunge. In this article, we’ll explore how payday loans work in Wilson, Kansas, their benefits and drawbacks, and what you need to know before applying for one.

How Payday Loans Work in Wilson, Kansas

In the state of Kansas, payday loans are legal. A payday loan is a short-term loan that’s typically used to cover unexpected expenses or bills. When you apply for a payday loan, you’ll typically be asked to provide proof of income, such as a pay stub or bank statement. You’ll also need to provide personal information, including your name, address, and Social Security number. If you’re approved for the loan, you’ll typically receive the money within a few days.

Payday loans in Wilson, Kansas are subject to certain regulations. For example, the maximum loan amount is $500, and lenders are prohibited from charging more than 15% interest on the loan. Additionally, borrowers are required to repay the loan within 30 days.

The Benefits of Payday Loans

There are several benefits to taking out a payday loan in Wilson, Kansas. First and foremost, they provide access to quick cash when you need it most. The application process is quick and easy, and approval rates are typically high, meaning that you can get the money you need in as little as 24 hours. Payday loans are also available to people with bad credit, making them a viable option for those who may not qualify for traditional loans.

Another benefit of payday loans is that they can help you avoid late fees and other penalties associated with failing to pay bills on time. If you’re facing a utility shut-off or other pressing issue, a payday loan can provide the cash you need to avoid further consequences.

The Drawbacks of Payday Loans

While payday loans can be a useful tool in certain situations, they’re not without their drawbacks. First and foremost, payday loans come with high interest rates, making them an expensive way to borrow money. Additionally, the short repayment period can make it difficult to repay the loan on time, leading to additional fees and charges.

Another drawback of payday loans is that they can be a cyclical trap for some borrowers. If you’re unable to repay the loan on time and are forced to take out another loan to cover the original loan, you can quickly find yourself in a debt spiral that’s difficult to escape.

What You Need to Know Before Applying for a Payday Loan

Before you apply for a payday loan in Wilson, Kansas, it’s important to understand the terms and conditions of the loan. You should familiarize yourself with the interest rates, repayment period, and any fees associated with the loan. Additionally, you should be sure that you can afford to repay the loan on time. If you’re unable to do so, you can incur additional fees and interest charges, leading to even more debt.

It’s also important to understand that payday loans are not a long-term financial solution. If you’re struggling with ongoing debt, a payday loan is unlikely to provide a permanent fix. Instead, you should consider seeking the help of a financial advisor or credit counselor.

Apply Now for a Payday Loan in Wilson, Kansas

If you’re in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders in Wilson, Kansas. We’re a connector service that works with a network of direct lenders to provide borrowers with access to the funds they need. To get started, simply fill out our online application, and we’ll match you with a lender who may be able to help. Remember, payday loans are a short-term solution and should not be relied upon as a long-term financial strategy.

Interesting Facts and Statistics about Payday Loans in Wilson, Kansas

  • Kansas is one of 27 states that allows payday lending.
  • The average payday loan amount in Kansas is $315.
  • The average interest rate on a 14-day payday loan in Kansas is 391%.
  • In 2019, Kansas borrowers took out over 685,000 payday loans.

Conclusion

Payday loans in Wilson, Kansas can provide access to quick cash when you need it most, but they come with high interest rates and short repayment periods. Before applying for a payday loan, it’s important to understand the terms and conditions of the loan and ensure that you can afford to repay it on time. Remember, payday loans are not a long-term financial solution and should not be relied upon as such.

If you’re considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders in Wilson, Kansas. Apply now to get started and take the first step towards securing the funds you need.

F.A.Q.

Are there any protections for military members in Wilson, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Wilson, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Are there any resources available to help me avoid taking out a payday loan in Wilson, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Wilson, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.