Payday Loans in Lebanon, Kansas

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

Company nameAddressZip codePhone number
First Bank Loan Production Agency 6201 College Blvd Suite 100, Overland Park, KS 66211 +1 (800) 760 - 2265
Advance America 415 N. Buckeye Ave., Space C, Abilene, KS 67410 +1 (785) 263 - 1957
Consolidated Properties 2405 E 21st St N, Wichita, KS 67214 +1 (316) 652 - 9797
Fairway Independent Mortgage Corporation 11460 Tomahawk Creek Pkwy Suite 320, Suite 320, Leawood, KS 66211 +1 (913) 721 - 8601
Quik Pay Kansas 314 S Broadway Blvd # B, Salina, KS 67401 +1 (785) 820 - 8356
Money Mart 909 W 11th St C, Coffeyville, KS 67337
Stockgrowers State Bank 304 Missouri Ave, Alma, KS 66401 +1 (785) 765 - 3311
Midway Motors Chrysler Dodge Jeep Ram 2075 E Kansas Ave 2, McPherson, KS 67460 +1 (620) 241 - 6500
Simmons Bank 524 N Main St, South Hutchinson, KS 67505 +1 (620) 728 - 3097
Mainstreet Credit Union 1001 E 23rd St, Lawrence, KS 66046 +1 (913) 599 - 1010

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lebanon, KS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Leawood, KS, Payday Loans in Lenexa, KS, Payday Loans in Manhattan, KS, 24-Hour Loan in Olathe, KS, Payday Loan Companies in Overland Park, KS, Payday Loans in Salina, KS, Payday Loan for Shawnee, KS and Payday Loan Companies in Topeka, 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 Lebanon, KS.

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

66952

Are Payday Loans Legal In Lebanon, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Lebanon, 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 Lebanon, 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

Lebanon, KS payday loan calculator

Advise to read before applying

Understanding Payday Loans in Lebanon, Kansas

When financial emergencies arise and you need access to quick cash, payday loans can provide a solution. In Kansas, payday loans are legal and available to those in need. However, it’s important to fully understand how they work before entering into any agreement.

How Payday Loans Work

A payday loan is a short-term loan designed to cover unexpected expenses until your next paycheck. Typically, lenders require that you provide proof of employment and income to ensure that you’ll be able to repay the loan on time.

These loans are generally small, ranging from $100 to $1,000, and come with high interest rates and fees. You’ll be required to pay back the loan on your next payday, which can be as soon as two weeks after receiving the funds.

The Pros and Cons of Payday Loans

Payday loans can be a helpful option when used responsibly. Their quick accessibility can provide financial relief during emergencies.

However, there are also downsides to consider. The high interest rates and fees can make it difficult to pay back the loan on time, leading to a cycle of debt. If you’re unable to pay back the loan, additional fees and interest could accumulate, making it even more difficult to pay off.

Regulations for Payday Loans in Kansas

In Kansas, payday loans are legal and regulated by the Kansas Office of the State Bank Commissioner. Lenders must be licensed and must follow certain rules, such as:

  • Limits on the total amount of the loan
  • Limits on the number of outstanding payday loans
  • Restrictions on rollovers and renewals
  • Disclosure of all loan terms and conditions

It’s important to note that payday lenders in Kansas are not allowed to lend to military members or their spouses.

Interesting Facts and Statistics

Did you know that the average payday loan borrower takes out eight loans per year and spends nearly $520 in interest and fees? In fact, total fees paid on payday loans in Kansas in 2020 exceeded $34 million.

Furthermore, while payday loans are marketed as a temporary financial solution, the National Consumer Law Center reports that the average payday loan borrower is in debt for five months out of the year.

Applying for Payday Loans on TheGuaranteedLoans Website

If you’re considering a payday loan in Lebanon, Kansas, TheGuaranteedLoans can help you find a lender that meets your needs. We specialize in connecting individuals with lenders who offer payday and other types of loans.

Our online application process is quick and easy, and we work with a large network of lenders to give you the best possible options. Remember that TheGuaranteedLoans is a connector service, not a direct lender, and that we’ll facilitate your connection with potential lenders.

The Bottom Line

While payday loans can provide financial support during tough times, they can also lead to a cycle of debt. Before taking out a payday loan, make sure you fully understand the terms and fees.

At TheGuaranteedLoans, we strive to provide our customers with the best possible resources and options. If you’re in need of quick cash in Lebanon, Kansas, we’re here to help.

F.A.Q.

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

No, a payday lender cannot seize your assets in Lebanon, 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 Lebanon, Kansas?

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

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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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