Payday Loans in Grenola, Kansas

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

Company nameAddressZip codePhone number
Advance America 200 E Centennial Dr. Ste. 10-B, Pittsburg, KS 66762 +1 (620) 231 - 4477
Pishny Financial Services 1521 E Fulton St, Garden City, KS 67846 +1 (620) 276 - 3437
Perfect Payday Loan 6709 W 119th St, Overland Park, KS 66209 +1 (866) 829 - 4551
Money Concepts 109 N Main St 205, McPherson, KS 67460 +1 (620) 241 - 0776
Street Abstract Co Inc 210 South St, Iola, KS 66749 +1 (620) 365 - 5546
Goldline Lending 2108 W 75th St, Prairie Village, KS 66208 +1 (913) 362 - 8554
Exchange State Bank 108 E St John St, Girard, KS 66743 +1 (620) 724 - 4911
Labette Bank 2805 N Broadway, Pittsburg, KS 66762 +1 (620) 230 - 0300
Kansas State University CU 2600 Anderson Ave, Manhattan, KS 66502 +1 (785) 776 - 5487
Check `n Go 6254 E 37th St N #170, Wichita, KS 67220 +1 (316) 688 - 0913

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Grenola, KS, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Hutchinson, KS, Payday Loans in Kansas City, KS, Online Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Emergency Loan in Leawood, KS, 24-Hour Loan in Lenexa, KS, Same Day Loans in Manhattan, KS and Payday 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 Grenola, KS.

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

67346

Are Payday Loans Legal In Grenola, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Grenola, 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 Grenola, 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

Grenola, KS payday loan calculator

Understanding Payday Loans in Grenola, Kansas

If you are living in or near Grenola, Kansas, you may have recently found yourself in an unexpected financial bind. Perhaps you have had an unforeseen expense or bill, and you need access to quick cash. In such a situation, a payday loan may seem like a viable option.

Payday loans are a type of short-term loan that typically offer small amounts of cash (usually up to $500) to borrowers who need immediate financial assistance. These loans are designed to be repaid when the borrower receives their next paycheck, hence the name ‘payday loan.’ In Kansas, payday lending is legal, but strict regulations are in place to protect borrowers.

The Process of Applying for a Payday Loan in Grenola, Kansas

The process of applying for a payday loan in Grenola, Kansas, is relatively straightforward. First, you’ll need to find a lender that operates within the state of Kansas. TheGuaranteedLoans is a great resource for finding payday loan lenders in Grenola.

Once you’ve identified a lender, you’ll typically need to provide proof of employment and income, a valid government-issued ID, and a post-dated check or bank account information. The lender will also likely run a credit check. Depending on the lender, you may be approved for a loan within minutes of completing your application.

Exploring the Pros and Cons of Payday Loans in Grenola, Kansas

Before applying for a payday loan in Grenola, Kansas, it’s essential to understand both the benefits and risks associated with this form of borrowing.

Pros:

  • Payday loans in Kansas are available to borrowers with bad credit or no credit.
  • Payday loan lenders operate quickly, getting borrowers their money in a matter of hours or even minutes.
  • Payday loans are typically unsecured, meaning borrowers do not have to put up any collateral to receive the loan.

Cons:

  • Payday loans have extremely high-interest rates, making them a very costly form of borrowing.
  • Payday loans can trap borrowers in a cycle of debt if they are unable to repay the loan on time.
  • Payday loans are not a long-term solution to financial difficulties and are designed for short-term use only.

Interesting Facts about Payday Loans in Grenola, Kansas

Here are some of the noteworthy facts and stats about payday loans in Grenola, Kansas:

  • As of 2021, there are over 300 payday loan lenders operating in Kansas.
  • In 2019, Kansas borrowers took out over 685,000 payday loans, totaling more than $267 million.
  • The average payday loan in Kansas is $323, and borrowers pay an average of $53 in interest and fees for every $100 borrowed.
  • Approximately 20% of payday loan borrowers in Kansas default on their loans, leading to additional fees and charges.

Applying for a Payday Loan in Grenola, Kansas

If you decide that a payday loan is the best option for your financial needs, TheGuaranteedLoans can help you get started. We work with a network of payday loan lenders in Grenola, Kansas, and can connect you with potential lenders quickly and easily.

However, it’s important to note that TheGuaranteedLoans is not a direct lender, and we don’t make credit or loan decisions. Instead, we work to connect borrowers with lenders who may be able to offer them a loan based on their unique financial situation.

Conclusion

When used responsibly, payday loans can be an effective way to access quick cash when you need it most. In Grenola, Kansas, payday loans are legal, but it’s important to understand the advantages and disadvantages of this type of borrowing before you apply.

If you’re considering a payday loan in Grenola, Kansas, be sure to shop around, compare rates, and only borrow what you need and can afford to repay on time. TheGuaranteedLoans can help connect you with lenders, but it’s up to you to make smart financial decisions.

Apply Now:

If you’re ready to apply for a payday loan in Grenola, Kansas, visit our website and fill out our online application. Our network of lenders will review your information and determine if they can offer you a loan that meets your needs. Remember, borrowing money comes with responsibility, and it’s essential to only borrow what you need and can afford to repay.

F.A.Q.

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

in Grenola, Kansas, payday loans cannot be renewed or extended. If you are unable to repay your loan on the agreed upon date, you may be able to work with the lender to come up with a repayment plan.

Are there any alternatives to payday loans in Grenola, Kansas?

Yes, there are several alternatives to payday loans in Grenola, Kansas, including borrowing from friends or family, using credit cards, or applying for a personal loan from a bank or credit union.