Payday Loans in Winchester, Kansas

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

Company nameAddressZip codePhone number
Golden Oak Lending 8595 College Blvd 160, Overland Park, KS 66210 +1 (913) 890 - 4653
Farmers State Bank 601 Main St, Jetmore, KS 67854 +1 (620) 357 - 8324
Equity Bank 801 Main St, Neodesha, KS 66757 +1 (620) 325 - 3033
Equity Bank 300 KS-212, Quinter, KS 67752 +1 (785) 754 - 3761
Barri Agent 116 Gunsmoke St, Dodge City, KS 67801
Advance Till Payday 314 S Broadway Blvd B, Salina, KS 67401 +1 (785) 820 - 8356
Legacy Bank 223 S Main St, Pratt, KS 67124 +1 (620) 672 - 6421
Peoples Bank and Trust 1020 N Main St, Hutchinson, KS 67501 +1 (620) 663 - 4000
Peoples Bank and Trust 101 S Main St, McPherson, KS 67460 +1 (620) 241 - 2100
Golden Plains Credit Union 475 State St, Phillipsburg, KS 67661 +1 (785) 543 - 5267

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winchester, KS, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Wichita, KS, Payday Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Quick Loan in Leavenworth, KS, Same Day Loans in Leawood, KS, Online Loans in Lenexa, KS and Payday Loans in Manhattan, 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 Winchester, KS.

Beautiful sights of Winchester, KS

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

66097

Are Payday Loans Legal In Winchester, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Winchester, 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 Winchester, 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

Winchester, KS payday loan calculator

Understanding Payday Loans in Winchester, Kansas

If you’re in a tough financial spot and need cash quickly, you might have considered a payday loan. These short-term loans are designed to help people who need money right away but don’t have access to more traditional forms of credit.

If you’re in Winchester, Kansas, you might be wondering whether payday loans are legal. Thankfully, they are. But before you jump in and apply for a payday loan, it’s important to understand how they work and what the risks are.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. In Winchester, Kansas, lenders can loan up to $500 to borrowers. The loan term cannot be less than seven days, but cannot exceed 30 days either. The lender can charge up to 15% of the loan amount in interest rates and fees.

Unlike traditional loans, payday loans don’t require a credit check. Instead, the lender will look at your income and expenses to determine whether you qualify for a loan. If you’re approved, you’ll receive the money quickly — often within the same day.

The Risks of Payday Loans

While payday loans can provide a quick and easy way to get cash when you need it, they also come with some significant risks:

  • High interest rates: Payday loan interest rates can be much higher than other forms of credit. Make sure you understand exactly how much you’ll be paying in interest before you sign up for a loan.
  • Short repayment periods: Because payday loans are due on your next payday, you won’t have much time to repay the loan. If you’re not careful, you could find yourself in a cycle of debt.
  • No credit check: While not requiring a credit check might seem like a good thing, it means that some lenders aren’t too worried about whether you can afford to repay the loan. Be wary of any lender that doesn’t take the time to assess your ability to repay.

Interesting Facts and Statistics About Payday Loans in Winchester, Kansas

  • In 2019, Kansas enacted a bill that increased the amount that consumers can borrow in payday loans to $500. Previously, the maximum loan amount was $300.
  • According to a report from Pew Charitable Trusts, more than 12 million Americans use payday loans each year.
  • In 2018, the average payday loan in Kansas was $344 with an average APR of 391%.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Winchester, Kansas, TheGuaranteedLoans can help. We’re a connector service that can facilitate your connection with potential lenders. Our process is easy, fast, and secure.

To get started, simply fill out our online application. We’ll ask for some basic information about yourself and your income. Then, we’ll match you with lenders who might be able to provide you with the loan you need. Remember, we are not a direct lender, and we do not make credit decisions. Instead, we work with a network of lenders who can provide payday loans in Winchester, Kansas.

If you’re approved for a loan, you’ll work directly with the lender to complete the process. Make sure you read and understand all of the loan terms before you accept the loan. If you have any questions or concerns, don’t hesitate to ask the lender.

Conclusion

Payday loans can be a useful tool for people who need cash quickly and don’t have access to other forms of credit. But they also come with some significant risks, including high interest rates and short repayment periods. If you’re considering a payday loan in Winchester, Kansas, make sure you understand exactly what you’re getting into. And remember, TheGuaranteedLoans is here to help.

F.A.Q.

What are payday loans in Winchester, Kansas?

Payday loans are short-term, high-interest loans that are typically used to cover unexpected expenses or emergencies.

How do I qualify for a payday loan in Winchester, Kansas?

To qualify for a payday loan in Winchester, Kansas, you must be at least 18 years old, have a steady source of income, and have a valid checking account.