Payday Loans in Garden Plain, Kansas

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

Company nameAddressZip codePhone number
Enterprise Credit Union 109 E 1st St, Enterprise, KS 67441 +1 (785) 263 - 8292
Navy Federal Credit Union 301 Cheyenne St Ste B, Leavenworth, KS 66048 +1 (888) 842 - 6328
Check `n Go 121 Express Ln d, Lansing, KS 66043 +1 (913) 250 - 1226
Quicks Cash 1219 E 1st St A, Pratt, KS 67124 +1 (620) 672 - 6200
Citizens Bank NA 200 S Main St, Fort Scott, KS 66701 +1 (620) 223 - 1200
SimpliFast Lending 4312 Rainbow Blvd, Kansas City, KS 66103 +1 (913) 257 - 3900
Check `n Go 7567 State Ave, Kansas City, KS 66112 +1 (913) 299 - 1063
Bank Midwest 316 W Cloud St 5613, Salina, KS 67401 +1 (785) 825 - 2100
Citizens State Bank & Trust 314 W Main St, Council Grove, KS 66846 +1 (620) 767 - 5327
American Payday Loans 2520 S. 9th, Salina, KS 67401 +1 (785) 823 - 2525

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garden Plain, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manhattan, KS, Payday Loans in Olathe, KS, Payday Loans in Overland Park, KS, Payday Loan Companies in Salina, KS, Bad Credit Loans in Shawnee, KS, Bad Credit Loans in Topeka, KS, Payday Loans in Wichita, KS and Same Day Loans in Hutchinson, 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 Garden Plain, KS.

Beautiful sights of Garden Plain, KS

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

67050

Are Payday Loans Legal In Garden Plain, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Garden Plain, 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 Garden Plain, 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

Garden Plain, KS payday loan calculator

Understanding Payday Loans in Garden Plain, Kansas

There are times in life when unexpected expenses can catch us off guard. Whether it’s a medical emergency or a car repair, these unforeseen costs can leave us struggling to make ends meet. In situations like these, a payday loan may offer a solution.

A payday loan is a short-term loan that’s typically due on your next payday. These loans can be useful if you need money quickly, but they come with high-interest rates and could lead to a cycle of debt if not used responsibly.

Is it Legal to Get a Payday Loan in Kansas?

Yes, payday loans are legal in Kansas. The state sets regulations around the maximum amount you can borrow, fees and charges, and how long you have to repay the loan.

According to Kansas law, you can borrow up to $500 for a term of up to 30 days. Lenders are allowed to charge up to 15% of the loan amount as a finance charge. For instance, if you borrow $100, you may pay $15 in fees. This equates to an annual percentage rate (APR) of 390% for a 14-day loan.

How to Apply for a Payday Loan in Garden Plain, Kansas

If you’re considering taking out a payday loan in Garden Plain, Kansas, there are a few things you should know.

  • Find a licensed lender. The Kansas Office of the State Bank Commissioner licenses and regulates payday lenders operating in the state. It’s important to verify that your lender is licensed to do business in Kansas.
  • Gather the necessary documentation. You’ll need to provide proof of income, such as pay stubs, as well as your contact and banking information.
  • Apply online or in-store. Many payday lenders offer online applications, which can be convenient if you’re short on time. If you prefer to apply in-person, find a lender near you.
  • Sign the loan agreement. Before receiving your loan, you’ll need to sign a loan agreement that outlines the terms of your loan, including the interest rate and fees.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have their advantages and disadvantages.

Pros:

  • Quick access to cash. If you need money in a pinch, a payday loan can help you get the funds you need quickly.
  • No collateral required. Payday loans are unsecured, meaning you don’t have to put up collateral like a car or home to be approved for a loan.
  • No credit check required. Most payday lenders don’t require a credit check, so you may still be able to get approved even if you have bad credit.

Cons:

  • High interest rates and fees. Payday lenders charge high fees and interest rates, which can add up quickly if you don’t repay the loan on time.
  • Potential for a debt cycle. If you’re not able to repay your loan on time, you could find yourself taking out another loan to cover the funds.
  • Potential for predatory lending practices. Some payday lenders engage in predatory lending practices, such as trapping borrowers in a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Garden Plain, Kansas

  • In 2019, Kansas residents took out more than 685,000 payday loans.
  • The average payday loan amount in Kansas was $310 in 2019.
  • More than 20% of Kansas residents surveyed in a 2018 report from the Federal Reserve Bank of Kansas City said they had taken out a payday loan in the past year.

Apply Now for a Payday Loan in Garden Plain, Kansas

TheGuaranteedLoans is here to help you find a payday loan lender in Garden Plain, Kansas. Our online application process is easy and secure, and our network of lenders offers competitive rates and fees.

Please keep in mind that TheGuaranteedLoans is not a direct lender, but a connector service. We facilitate your connection with potential lenders, making it easier for you to find the loan you need. Apply now and take the first step towards financial freedom.

F.A.Q.

Can a payday lender seize my assets in Garden Plain, Kansas if I default on my loan?

No, a payday lender cannot seize your assets in Garden Plain, Kansas if you default on your loan. However, the lender may be able to take legal action to recover the funds, which could include wage garnishment or other consequences.

Can I be sued for not repaying a payday loan in Garden Plain, Kansas?

Yes, if you default on your payday loan in Garden Plain, Kansas, the lender may take legal action to recover the funds. This could include suing you in court and obtaining a judgment against you.