Payday Loans in Durham, Kansas

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

Company nameAddressZip codePhone number
Navy Federal Credit Union 501 N 3rd Pl A, Manhattan, KS 66502 +1 (888) 842 - 6328
Equity Bank 3825 SW 29th St, Topeka, KS 66614 +1 (785) 272 - 5257
Farmers State Bank 601 Main St, Jetmore, KS 67854 +1 (620) 357 - 8324
Azura Credit Union 2808 SW Arrowhead Rd, Topeka, KS 66614 +1 (785) 233 - 5556
Rapid Cash 816 N Maple St, Russell, KS 67665 +1 (785) 445 - 3747
Argentine Federal Savings 3004 Strong Ave, Kansas City, KS 66106 +1 (913) 831 - 2004
Waddell & Reed Inc 729 Main St, Hoxie, KS 67740 +1 (785) 675 - 9988
MoneyGram 2222 Main St, Parsons, KS 67357 +1 (620) 421 - 0605
Landmark National Bank 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
Thrivent Financial-Lutherans 25983 KS-62, Soldier, KS 66540 +1 (785) 834 - 2835

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Durham, KS, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loan for Leawood, KS, Payday Loan for Lenexa, KS, Payday Loans in Manhattan, KS and Online Loans in Olathe, 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 Durham, KS.

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

67438, 67488

Are Payday Loans Legal In Durham, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Durham, 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 Durham, 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

Durham, KS payday loan calculator

Advise to read before applying

Understanding Payday Loans in Durham, Kansas

Payday loans are a type of short-term loan that is often used by individuals to cover unexpected expenses or bills. They typically have a high interest rate and must be repaid within a few weeks.

Legal Status of Payday Loans in Kansas

Payday loans are legal in Kansas, although there are regulations in place to protect borrowers. The maximum loan amount is $500, and lenders are not allowed to charge more than 15% interest on the loan.

The Process of Obtaining a Payday Loan in Durham, Kansas

The process of obtaining a payday loan in Durham, Kansas is relatively simple. First, the borrower must fill out an application, which can often be done online. The lender will then review the application and determine whether or not to offer the loan. If approved, the borrower will receive the funds within a few days.

Repaying a Payday Loan in Durham, Kansas

Payday loans in Durham, Kansas must be repaid within a few weeks of the loan being issued. The borrower will typically be required to pay back the loan in a single payment, although some lenders may offer installment payments. If the borrower is unable to repay the loan on time, they may be charged additional fees and interest.

Interest Rates and Fees

As mentioned, payday loans in Durham, Kansas are subject to a maximum interest rate of 15%. However, fees may also be charged, such as an origination fee or late payment fee. It is important for borrowers to carefully review the terms and conditions of the loan before accepting it to ensure they understand all the costs associated with it.

Benefits of Payday Loans in Durham, Kansas

  • Payday loans can be obtained quickly and without a credit check, making them ideal for individuals with poor credit who may not be able to obtain a traditional loan.
  • The application process is simple and can often be completed online, making it convenient for borrowers.
  • Payday loans can be used to cover unexpected expenses, such as car repairs or medical bills.

Drawbacks of Payday Loans in Durham, Kansas

  • Payday loans have a high interest rate, which can lead to a cycle of debt if not paid back on time.
  • If the borrower is unable to repay the loan, they may be charged additional fees and interest.
  • Payday loans are meant to be a short-term solution and should not be used for long-term financial problems.

Interesting Facts and Statistics

Did you know that in Kansas, the average payday loan is around $300 and the average APR (Annual Percentage Rate) is 391%?

Apply Now

If you’re in need of a payday loan in Durham, Kansas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and our goal is to help individuals find the best loan options for their needs. Fill out our online application to get started today!

F.A.Q.

Can I be denied a payday loan in Durham, Kansas for having bad credit?

No, payday loans in Durham, Kansas are not based on your credit score. However, if you have a history of defaulting on payday loans or other debts, the lender may decide not to extend a loan to you.

Can I be charged with fraud for not being able to repay a payday loan in Durham, Kansas?

No, you cannot be charged with fraud for not being able to repay a payday loan in Durham, Kansas. However, if you intentionally provide false information on your loan application, you may be subject to criminal charges.

Look for Short-Term Loans in Other Cities:

Hutchinson Kansas City Lawrence Leavenworth Leawood Lenexa Manhattan Olathe Overland Park Salina Shawnee Topeka Wichita
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

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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