Payday Loans in Elmdale, Kansas

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

Company nameAddressZip codePhone number
Mr Payroll 400 E Wyatt Earp Blvd, Dodge City, KS 67801 +1 (620) 225 - 2144
Speedy Cash 3133 E Douglas Ave, Wichita, KS 67211 +1 (316) 683 - 2274
U.S. Bank ATM - South Plaza 2701 Iowa St, Lawrence, KS 66046 +1 (800) 872 - 2657
Check `n Go 4913 S Broadway St, Wichita, KS 67216 +1 (316) 522 - 0387
Ark Valley Credit Union 1515 N Summit St, Arkansas City, KS 67005 +1 (620) 442 - 8210
Money Management Financial 1448 SW Oakley Ave, Topeka, KS 66604 +1 (785) 232 - 9101
First National Bank 210 Bird Ave, Bird City, KS 67731 +1 (785) 734 - 2100
Advance America 4100 E Harry St Unit 10, Wichita, KS 67218 +1 (316) 687 - 0909
LibertyX Bitcoin ATM 2710 Commerce Rd, Goodland, KS 67735 +1 (800) 511 - 8940
Bank of Tescott 2040 S Ohio St, Salina, KS 67401 +1 (785) 452 - 9975

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Elmdale, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Lenexa, KS, Guaranteed Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loan Without a Credit Check in Overland Park, KS, Payday Loans in Salina, KS, Payday Loan for Shawnee, KS, Payday Loans in Topeka, KS and Guaranteed 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 Elmdale, KS.

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

66850

Are Payday Loans Legal In Elmdale, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Elmdale, 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 Elmdale, 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

Elmdale, KS payday loan calculator

Advise to read before applying

Understanding Payday Loans in Elmdale, Kansas

Payday loans are short-term loans designed to help individuals cover unexpected expenses that arise before their next paycheck. These loans have gained popularity in recent years, as they offer a quick and convenient option for meeting urgent financial needs.

Elmdale, Kansas, is no exception to the rise in popularity of payday loans. With multiple lenders operating across the city, it’s important to understand the terms and regulations before obtaining a payday loan in Elmdale.

Payday Loan Regulations in Kansas

In Kansas, payday loans are legal, but the state imposes certain regulations to protect consumers. These regulations include:

  • Limited loan amount: A payday loan in Kansas cannot exceed $500.
  • Cap on fees: Lenders are allowed to charge a maximum of 15% interest on payday loans.
  • Repayment terms: Kansas state law requires that payday loans be repaid within a maximum of 30 days.
  • No rollover loans: In Kansas, payday loan lenders are prohibited from offering rollover loans or renewals.

It’s important to note that while these regulations exist, it’s still crucial to read and understand the terms and conditions of any payday loan before accepting the funds.

Applying for a Payday Loan in Elmdale

Applying for a payday loan in Elmdale, Kansas, is a simple process that can often be completed online, within minutes. To start the process, individuals need to provide the following details:

  • Personal information: Name, address, phone number, and email address.
  • Employment information: Details about the individual’s employment, including income and employer contact information.
  • Bank account details: To receive the funds, lenders require a valid checking account to deposit the funds.

Once the application is submitted, the lender will review the information provided and verify the details before approving or denying the loan.

Interest rates and Fees on Payday Loans in Elmdale

The interest rates and fees on payday loans in Elmdale, Kansas, are regulated by the state and are limited to a maximum of 15% of the loan amount. For example, if an individual borrowed $300, the maximum amount that lender can charge for the loan would be $45.

In addition to these fees, some lenders may also charge additional fees, such as origination fees, late payment fees, or insufficient fund fees. Individuals should be aware of these fees and include them in their overall loan cost calculations.

Repaying a Payday Loan in Elmdale

Repaying a payday loan in Elmdale, Kansas, requires individuals to repay the loan, including interest and fees, within the specified timeframe, typically within 30 days. Failure to repay the loan on time may result in additional fees and penalties.

Many lenders offer the option to extend the repayment term, known as a rollover or renewal. However, it’s important to note that Kansas state law prohibits these types of loans, and individuals should avoid them, as they can lead to further financial difficulties.

Benefits and Risks of Payday Loans in Elmdale

Payday loans offer a convenient option for individuals facing unexpected expenses or emergencies. They require minimal documentation, offer a quick application process, and often provide same-day funding.

However, payday loans come with high-interest rates and fees, making them a costly option for borrowing money. They can also lead to a cycle of debt if not repaid on time or used responsibly.

Interesting Facts and Statistics About Payday Loans in Elmdale, Kansas

  • In 2019, Kansas payday lenders issued a total of 334,994 loans, totaling over $123 million.
  • The average payday loan in Kansas was $368, with an average interest rate of 391% APR.
  • In 2018, Kansas payday lenders took in $52.6 million in fees and interest.

Apply Now for a Payday Loan in Elmdale

If you’re facing an urgent financial need in Elmdale, Kansas, and need a payday loan, TheGuaranteedLoans can help. Our online application process is fast and secure, and we connect you with potential lenders who can provide a loan that fits your needs.

It’s important to note that TheGuaranteedLoans is not a direct lender, but rather a connector service that helps you find a lender that meets your borrowing needs. To apply for a payday loan, simply visit our website and fill out our online application form.

In Conclusion

Payday loans are a popular option for individuals facing unexpected expenses or emergencies in Elmdale, Kansas. While these loans offer a quick and convenient solution, they come with high-interest rates and fees, and should only be used responsibly.

Before applying for a payday loan in Elmdale, be sure to read and understand the regulations, fees, and repayment terms associated with the loan. And if you’re ready to apply for a payday loan in Elmdale, TheGuaranteedLoans can help you find a lender that meets your needs.

F.A.Q.

What are the risks of taking out a payday loan in Elmdale, Kansas?

Payday loans in Elmdale, Kansas can be very costly, with high interest rates and fees that can quickly add up. If you are unable to repay the loan on time, you may be subject to additional fees and charges, which can make the loan even more expensive.

Can I be arrested for defaulting on a payday loan in Elmdale, Kansas?

No, you cannot be arrested for defaulting on a payday loan in Elmdale, Kansas. However, the lender may take legal action to recover the funds, which could result in wage garnishment or other consequences.

Look for Short-Term Loans in Other Cities:

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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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