Installment Loans in Lake City, Kansas

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No installment loan companies in Lake City, KS. Consider companies in other cities:

Company nameAddressZip codePhone number
Check Into Cash 1004 W 8th St #8, Wellington, KS 67152 +1 (620) 399 - 8914
The Bank 101 Front St, Winona, KS 67764 +1 (785) 846 - 7476
Conway Bank 124 E Spring Ave, Conway Springs, KS 67031 +1 (620) 456 - 2255
LendNation 7637 Metcalf Ave, Overland Park, KS 66204 +1 (866) 436 - 7124
City State Bank 1012 US-69, Fort Scott, KS 66701 +1 (620) 223 - 1600
Bank of Holyrood 100 S Main St, Holyrood, KS 67450 +1 (785) 252 - 3239
LoanMaster 4007 Parkview Dr C, Pittsburg, KS 66762 +1 (620) 231 - 1647
Landmark National Bank 112 W 6th St, Wellsville, KS 66092 +1 (785) 883 - 2145
Peoples Bank and Trust 101 S Main St, McPherson, KS 67460 +1 (620) 241 - 2100
Money Mart 909 W 11th St C, Coffeyville, KS 67337

Installment Loan Companies in Nearby Cities

If there are no installment loan companies in Lake City, KS, you can try to find different companies in big cities nearby. Check out the following pages here: Installment Loans in Lenexa, KS, Installment Loans in Manhattan, KS, Installment Loans in Olathe, KS, Installment Loans in Overland Park, KS, Installment Loans in Salina, KS, Installment Loans in Shawnee, KS, Installment Loans in Topeka, KS and Installment Loans in Wichita, 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 Lake City, KS.

Understanding Installment Loans in Lake City, Kansas

When sudden financial emergencies strike, many people turn to loans as a way of getting the needed funds quickly. Installment loans are one of the popular types of loans in Kansas. Unlike payday loans which must be repaid on the next payday, installment loans offer the borrower flexibility in repaying the borrowed funds over a predetermined period. In this article, we’ll give you an insight into everything you need to know about installment loans in Lake City, Kansas.

What are Installment Loans?

Installment loans are types of loans that require borrowers to repay the funds in fixed payments, or instalments, over a specific period. This period can range from a few months to several years, depending on the lender and the amount borrowed. Installment loans can be secured or unsecured. Secured loans require collateral, such as a car, house, or any other valuable asset, while unsecured loans do not require collateral. However, unsecured loans usually have higher interest rates.

Legal framework – Are Installment Loans Legal in Lake City, Kansas?

Yes, installment loans are legal in Kansas. Chapter 16a of the Kansas Statutes regulates consumer credit transactions in Kansas, including installment loans. According to Kansas law, lenders cannot charge more than 15% interest rate on loans up to $3,000. Any loan over $3,000 can have interest rates up to 36%. Additionally, lenders must disclose all the loan information, such as the APR, repayment schedule, and any other fees.

Applying for Installment Loans in Lake City, Kansas

Applying for an installment loan in Lake City, Kansas is a simple process. You can visit a lender’s physical storefront or apply online. Online applications are more convenient as they save time, and you can apply from the comfort of your home or office. To qualify for an installment loan, you must be at least 18 years old, have a valid government-issued ID, a checking account, and a reliable income source. Once you submit your application, the lender will verify your information and decide whether to approve or deny the loan.

Benefits of Installment Loans

If you’re considering taking an installment loan in Lake City, Kansas, you should know the benefits that come with it. Here are some advantages of installment loans:

  • Flexible Repayment – Installment loans offer flexible repayment terms, allowing borrowers to repay the loan over several months or years, making it more convenient and affordable for many borrowers.
  • Lower Interest Rates – Compared to payday loans, which have high-interest rates, installment loans typically have lower interest rates. This makes installment loans a more affordable option for borrowers.
  • No Collateral Needed – Many installment loans are unsecured, meaning you don’t have to put up collateral such as property or assets upfront. This reduces the risk of losing your assets in case of defaulting the loan.

Interesting Facts and Statistics About Installment Loans in Lake City, Kansas

  • In 2019, the average amount borrowed for an installment loan in Kansas was $2,300.
  • According to data from the Kansas Office of the State Bank Commissioner, there were 306 licensed lenders offering installment loans in Kansas as of June 30, 2020.
  • A recent survey from the Community Financial Services Association reported that 78% of borrowers in Kansas prefer installment loans over payday loans.

Applying for an Installment Loan on TheGuaranteedLoans

TheGuaranteedLoans is a connector service that connects borrowers with potential lenders. We’re not a direct lender. We offer an online platform that helps you compare loan offers from different lenders and choose the one that best fits your needs. To apply for an installment loan on our website, all you need to do is fill out a simple online application form. We’ll match you with potential lenders, and they will verify your information. If you’re approved for a loan, you’ll receive the funds in your bank account within one business day.

Conclusion

Installment loans can be a great option for borrowers who need to borrow funds for unexpected expenses or emergencies. Before you take out an installment loan, make sure you understand the terms, rates, and fees associated with it. It’s always advisable to shop around and compare loan offers from different lenders, and TheGuaranteedLoans can help you do this conveniently and quickly.

Apply now and get the funds you need to overcome your financial hurdles with TheGuaranteedLoans.

Useful Articles

Installment Loans Available in Lake City, KS By The Following ZIP Codes:

67071

Lake City, KS installment loan calculator

Advise to read before applying

F.A.Q. About Installment Loans

Can I get No Credit Check Loan in Lake City, KS?

Yes, you can get a no credit check loan in Lake City, KS when you apply online.

How to Get a Bad Credit Loans in Lake City, KS?

To apply for a bad credit loan in Lake City, KS, you need to find a direct loan lender online.

Look for Installment Loans in Other Cities:

Hutchinson Kansas City Lawrence Leavenworth Leawood Lenexa Manhattan Olathe Overland Park Salina Shawnee Topeka Wichita
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Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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