Payday Loans in Windom, Kansas

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

Company nameAddressZip codePhone number
Bank of the West 1113 Main St, Winfield, KS 67156 +1 (620) 221 - 3830
Payday Loans 128 E Maple St, Columbus, KS 66725 +1 (620) 429 - 3293
Pyramid Abstract Co Inc 208 E 2nd St, Oakley, KS 67748 +1 (785) 671 - 4285
Waddell & Reed, Inc. - Financial Advisors 209 Leonard St Suite B, Onaga, KS 66521 +1 (785) 556 - 0065
Money Management Financial 1448 SW Oakley Ave, Topeka, KS 66604 +1 (785) 232 - 9101
Garden City Teachers Federal Credit Union 1601 E Kansas Ave, Garden City, KS 67846 +1 (620) 275 - 0131
Mortgage Co 207 NW 15th St, Abilene, KS 67410 +1 (785) 263 - 1944
Sunflower Bank 2710 Anderson Ave, Manhattan, KS 66502 +1 (785) 537 - 0550
Kendall State Bank 406 Broadway St, Valley Falls, KS 66088 +1 (785) 945 - 3231
Capitol Federal Savings Bank 114 E Cloud Ave, Andover, KS 67002 +1 (316) 689 - 3245

Payday Loan Companies in Nearby Cities

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

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

67491

Are Payday Loans Legal In Windom, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Windom, 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 Windom, 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

Windom, KS payday loan calculator

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

When unexpected expenses arise, it can be challenging to find the funds to cover them. In these situations, payday loans can be a solution for many individuals. In this article, we will discuss payday loans in Windom, Kansas and what you need to know before applying.

How Payday Loans Work

Payday loans are short-term loans that individuals can use to cover unexpected expenses. These loans typically range from $100-$1,000 and must be paid back within two to four weeks. To qualify for a payday loan, borrowers must provide proof of income and a valid ID.

When a borrower is approved for a payday loan, the funds are typically deposited into their bank account within one to two business days. The borrower then pays back the loan and any associated fees on their next payday.

The Legality of Payday Loans in Kansas

Payday loans are legal in Kansas, provided that lenders comply with the Kansas Uniform Consumer Credit Code. This code regulates payday loans to protect borrowers from predatory lending practices and excessive fees.

As a borrower, it’s essential to understand the fees associated with payday loans in Kansas. Lenders in Kansas charge up to 15% interest on the loan amount, plus additional fees. These fees can include origination fees, late payment fees, and prepayment penalties.

Applying for a Payday Loan

When applying for a payday loan in Windom, Kansas, individuals can either apply online or in-person at a payday loan storefront. It’s essential to research and compare lenders before applying for a loan. Here are some tips for finding a reputable payday lender:

  • Check for licensure: Lenders in Kansas must be licensed through the Office of the State Bank Commissioner.
  • Read reviews: Look for reviews and ratings of the lender online.
  • Comparison shop: Compare lenders’ fees and interest rates.
  • Understand the terms: Read and understand the terms of the loan before accepting.

It’s important to note that individuals in Windom, Kansas, should only take out a payday loan if they can repay it on time. Failing to repay a payday loan on time can result in additional fees and damage to the borrower’s credit score.

Interesting Facts About Payday Loans in Windom, Kansas

  • In 2020, 1 in 8 adults in the United States took out a payday loan.
  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375.
  • Kansas payday lenders charge up to 15% interest on loans.

Apply Now

If you’re considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we can often connect borrowers with a lender within minutes. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and works with a network of reputable lenders.

Overall, it’s essential to carefully consider whether a payday loan is the right choice for your financial situation. While payday loans can provide short-term relief, they can also come with high fees and interest rates that can add up quickly. If possible, alternative options such as a personal loan or credit card should be explored before resorting to a payday loan.

F.A.Q.

How much can I borrow with a payday loan in Windom, Kansas?

The amount you can borrow with a payday loan in Windom, Kansas is typically based on your income and your ability to repay the loan. The maximum amount you can borrow is $500.

How do I repay a payday loan in Windom, Kansas?

Payday loans in Windom, Kansas are typically repaid in one lump sum on your next payday, along with any interest and fees. Some lenders may allow you to repay the loan in multiple payments.