Payday Loans in Buffalo, Kansas

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

Company nameAddressZip codePhone number
Peoples State Bank 100 S Range Ave, Colby, KS 67701 +1 (785) 462 - 2224
Quik Cash 2304 Stagg Hill Rd Suite A, Manhattan, KS 66502 +1 (785) 539 - 5763
Sunflower Community Credit Union 407 Broadway St, Marysville, KS 66508 +1 (785) 562 - 3741
Great Southern Bank 119 E Madison Ave, Iola, KS 66749 +1 (620) 365 - 3101
Speedy Cash 701 N West St, Wichita, KS 67203 +1 (316) 942 - 2211
Waconda Boats and Motors - Kansas 408 N Center St, Glen Elder, KS 67446 +1 (785) 545 - 3545
ACE Cash Express 9970 W 87th St, Overland Park, KS 66212 +1 (913) 901 - 8300
American Implement 807 N Main St, Scott City, KS 67871 +1 (620) 872 - 7244
LibertyX Bitcoin ATM 3601 Vine St, Hays, KS 67601 +1 (800) 511 - 8940
Loomis Armored US 419 N Wabash Ave, Wichita, KS 67214 +1 (316) 267 - 0269

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buffalo, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Leavenworth, KS, Payday Loans in Leawood, KS, Payday Loans in Lenexa, KS, Same Day Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loan Without a Credit Check in Overland Park, KS, Payday Loans in Salina, KS and Short-term Loans in Shawnee, 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 Buffalo, KS.

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

66998, 66717

Are Payday Loans Legal In Buffalo, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Buffalo, 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 Buffalo, 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

Buffalo, KS payday loan calculator

Payday Loans in Buffalo, Kansas: All You Need to Know

If you’re a resident of Buffalo, Kansas, and are in need of some quick cash, an option you may have considered is a payday loan. Payday loans are a type of short-term loan that is often used to cover unexpected expenses or emergencies. In this article, we’ll explain everything you need to know about payday loans in Buffalo, Kansas, including the regulations surrounding them, the application process, and alternative options to consider.

How Payday Loans Work

Payday loans are typically small loans, usually ranging from $100 to $1,000, that are meant to be paid back on the borrower’s next payday. They are often used as a short-term solution for people who need money quickly and don’t have access to other forms of credit. Unlike traditional loans, payday loans usually don’t require a credit check and can be applied for online or in-person at a payday lender’s physical location.

However, it’s important to note that payday loans come with very high interest rates and fees. The interest on payday loans can range from 300% to 600%, which can make paying back the loan extremely difficult for many people. It’s important to be aware of the costs associated with payday loans before applying for one.

Regulations for Payday Loans in Kansas

While payday loans are legal in Kansas, the state does have regulations in place to protect borrowers. According to the Kansas Department of Credit Unions, payday loans in Kansas are subject to the following rules:

– The loan must be for $500 or less.
– The loan term must be between 7 and 30 days.
– The lender cannot charge more than 15% of the loan amount in interest and fees.
– A borrower cannot have more than two outstanding loans at a time.
– The lender must disclose all loan terms, including fees and interest rates, before the borrower signs the loan agreement.

The Application Process

If you’ve decided that a payday loan is the right option for you, the first step in the application process is to find a lender. There are many payday lenders in Buffalo, Kansas, both online and in-person, so be sure to do your research and compare rates and fees before selecting a lender.

Once you’ve selected a lender, the application process is typically straightforward. You’ll need to provide some basic information, including your name, address, income, and employment information. If you’re applying online, you’ll typically be asked to provide your banking information so that the lender can deposit the funds directly into your account if you’re approved.

It’s important to note that payday loans are often approved quickly, sometimes within minutes or hours of applying, but this doesn’t guarantee that you’ll be approved. Lenders will still review your application and may deny it if they don’t believe you can afford to pay back the loan.

Alternatives to Payday Loans

Payday loans can be expensive and can trap borrowers in a cycle of debt, so it’s important to consider other options before applying for one. Some alternatives to payday loans include:

– Personal loans from a bank or credit union. While these loans may have stricter credit requirements, they often have much lower interest rates and fees than payday loans.
– Credit card cash advances. While credit card cash advances also come with high interest rates and fees, they are often lower than those associated with payday loans.
– Payment plans or extensions. If you’re unable to pay a bill or expense, many companies will allow you to set up a payment plan or extension to give you more time to pay.

It’s also a good idea to build up an emergency fund to avoid having to turn to payday loans in the future. Even saving a small amount each month can add up over time and help you cover unexpected expenses without having to resort to high-interest loans.

Interesting Facts and Statistics About Payday Loans in Buffalo, Kansas

– According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out eight loans per year, with each loan lasting approximately 18 days.
– A 2016 report by the Pew Charitable Trusts found that 1 in 8 adult Kansans has taken out a payday loan at some point.
– In 2019, the Kansas Legislature passed a bill that would have capped interest rates on payday loans at 36%, but the bill was vetoed by Governor Laura Kelly.

Apply Now

If you’ve weighed all your options and decided that a payday loan is the right choice for you, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders. Our online application process is fast and easy, and we’ll work to find you the best rates and terms available. Just remember, payday loans should only be used as a last resort and should be paid back as quickly as possible to avoid high interest charges and fees.

Conclusion

Payday loans can be a useful tool for those in need of quick cash, but they come with high costs and should be used as a last resort. It’s important to be aware of the regulations surrounding payday loans in Kansas and understand the application process before applying for one. If you decide that a payday loan is the right choice for you, be sure to compare rates and fees from multiple lenders and pay back the loan as soon as possible to avoid falling into debt.

F.A.Q.

Are there alternatives to payday loans in Buffalo, Kansas?

Yes, there are alternatives to payday loans in Buffalo, Kansas, such as borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a nonprofit organization.

Can I extend or renew my payday loan in Buffalo, Kansas?

Yes, you can extend or renew your payday loan in Buffalo, Kansas, but keep in mind that this will result in additional fees and interest charges. It is recommended to only consider this option if you are unable to repay the loan on time and have no other options available.