Payday Loans in Pierceville, Kansas

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

Company nameAddressZip codePhone number
Mainstreet Credit Union 1608 S 4th St, Leavenworth, KS 66048 +1 (913) 599 - 1010
Michelle Maganda Fairway Independent Mortgage Corporation Loan Officer 1212 Bluemont Ave Suite 110, Manhattan, KS 66502 +1 (562) 292 - 3830
Northwestern Mutual Life: Fisher Glenn 727 N Waco Ave 380, Wichita, KS 67203 +1 (316) 266 - 5073
Labette Bank 104 US-400, Cherokee, KS 66724 +1 (620) 457 - 8000
Wichita RV East. 12828 US-54 8490, Andover, KS 67002 +1 (316) 733 - 7777
Lincoln Financial Advisors 241 S Hillsdale Dr, Wichita, KS 67230 +1 (316) 685 - 5311
Jackson Hewitt Tax Service 121 Peter Pan Rd, Independence, KS 67301 +1 (620) 331 - 4000
Warnke Financial Services 10011 W 21st St 109, Wichita, KS 67205 +1 (316) 683 - 6254
Golden Belt Bank, FSA 1101 E 27th St, Hays, KS 67601 +1 (785) 625 - 7345
Commerce Bank 101 E 30th Ave, Hutchinson, KS 67502 +1 (620) 669 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pierceville, KS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Topeka, KS, Payday Loans in Wichita, KS, No Credit Check Loans in Hutchinson, KS, Online Loans in Kansas City, KS, Payday Loans in Lawrence, KS, Payday Loans in Leavenworth, KS, Payday Loans in Leawood, KS and Bad Credit Loans in Lenexa, 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 Pierceville, KS.

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

67868

Are Payday Loans Legal In Pierceville, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Pierceville, 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 Pierceville, 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

Pierceville, KS payday loan calculator

Advise to read before applying

Payday Loans in Pierceville, Kansas: What You Need to Know

If you’re in a financial pinch and need access to cash quickly, you may be considering a payday loan. In Pierceville, Kansas, these loans are legal and widely available. However, before you take out a payday loan, it’s important to understand how they work, the potential risks and benefits, and any legal regulations that may apply. In this guide, we’ll cover everything you need to know about payday loans in Pierceville, Kansas.

What Are Payday Loans?

A payday loan is a short-term loan designed to provide you with immediate access to cash when you need it. They’re generally for small amounts, ranging from a few hundred to a few thousand dollars, and are designed to be repaid on your next payday. Payday loans typically have high interest rates and fees, making them an expensive way to borrow money.

How Do Payday Loans Work in Pierceville, Kansas?

If you’re considering a payday loan in Pierceville, Kansas, there are a few things you should know. First, payday loans are legal in Kansas, but there are specific regulations that lenders must adhere to. For example, lenders can’t charge more than 15% interest on payday loans, and they can’t lend more than $500 to any one borrower at a time. Additionally, lenders must provide borrowers with an information sheet that outlines the terms of the loan, including the interest rate, fees, and repayment schedule.

To apply for a payday loan in Pierceville, Kansas, you’ll need to provide the lender with some basic personal and financial information. This may include your name, address, Social Security number, and proof of income. You’ll also need to provide the lender with access to your checking account so they can deposit the loan funds and withdraw the repayment amount on your next payday.

The Risks and Benefits of Payday Loans in Pierceville, Kansas

Like any financial product, payday loans come with both risks and benefits. On the one hand, payday loans can provide you with access to cash quickly when you need it most. This can be especially useful in emergency situations, such as a medical expense or car repair.

However, payday loans also come with some potential risks. Perhaps the biggest risk is the high cost of borrowing. Because payday loans typically have high interest rates and fees, you could end up paying back much more than you originally borrowed. This can lead to a cycle of debt, where you’re continually borrowing money to cover your previous loan and its fees.

The Benefits of Payday Loans

  • Quick access to cash when you need it most.
  • May be easier to qualify for than traditional loans, especially if you have poor credit.

The Risks of Payday Loans

  • High interest rates and fees that can make repayment difficult.
  • Potential for a cycle of debt, where you’re continually borrowing money to cover previous loans and their fees.
  • May not be available in all states or may be subject to strict regulations.

Interesting Facts and Statistics about Payday Loans in Pierceville, Kansas

– According to the Consumer Financial Protection Bureau (CFPB), the average payday loan consumer takes out 10 loans per year, spending an average of 199 days in debt.
– As of 2021, there are over 300 payday lenders operating in Kansas, with a total of 734 locations statewide.
– In 2019, Kansas borrowers took out 685,034 payday loans, with a total value of over $267 million.

The ‘Apply Now’ Section

If you’re considering a payday loan in Pierceville, Kansas, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of trusted lenders to help you find the loan that’s right for you.

It’s important to understand that TheGuaranteedLoans is not a direct lender. Instead, we’re a connector service that facilitates your connection with lenders. This means that we don’t make lending decisions, and we don’t set the terms of your loan. However, we do carefully vet our lenders to ensure that they’re reputable and follow all applicable laws and regulations.

Conclusion

If you’re considering a payday loan in Pierceville, Kansas, it’s important to weigh the potential risks and benefits carefully. While payday loans can provide quick access to cash, they can also be expensive and lead to a cycle of debt. Additionally, it’s important to understand and follow all applicable state and federal regulations to protect yourself and your finances.

If you do decide to take out a payday loan, TheGuaranteedLoans can help connect you with trusted lenders and make the process as easy and straightforward as possible.

F.A.Q.

Are there any protections for military members in Pierceville, Kansas when it comes to payday loans?

Yes, there are special protections for military members in Pierceville, Kansas when it comes to payday loans. For example, lenders are prohibited from charging more than 36% annual interest on loans to active duty military members and their dependents.

Are there any resources available to help me avoid taking out a payday loan in Pierceville, Kansas?

Yes, there are resources available to help you avoid taking out a payday loan in Pierceville, Kansas. For example, you can contact a credit counseling agency for advice on managing your finances and finding alternative sources of funding. You can also explore options for emergency assistance from nonprofit organizations or government programs.

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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