Payday Loans in Quenemo, Kansas

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

Company nameAddressZip codePhone number
U.S. Bank ATM - South 1807 W 23rd St, Lawrence, KS 66046 +1 (800) 872 - 2657
Kansas State Bank 1314 S Main St, Ottawa, KS 66067 +1 (785) 242 - 1011
Citizens State Bank & Trust Co-Highway Bank 749 E 15th St, Ellsworth, KS 67439 +1 (785) 472 - 3872
United States Postal Service 7117 W Harry St, Wichita, KS 67276 +1 (800) 275 - 8777
Wildcat Pawn & Jewelry 2309 Tuttle Creek Blvd, Manhattan, KS 66502 +1 (785) 539 - 7296
FNBO - First National Bank of Omaha 9700 Metcalf Ave, Overland Park, KS 66212 +1 (913) 266 - 7100
Perfect Payday Loan 6709 W 119th St, Overland Park, KS 66209 +1 (866) 829 - 4551
Quicks Cash 1219 E 1st St A, Pratt, KS 67124 +1 (620) 672 - 6200
Patriots Bank 131 E 4th Ave, Garnett, KS 66032 +1 (785) 448 - 3191
Central National Bank Lending Services Office 1916 Main St, Great Bend, KS 67530 +1 (620) 603 - 6447

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Quenemo, KS

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

66528

Are Payday Loans Legal In Quenemo, Kansas?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday loans made to Quenemo, 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 Quenemo, 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

Quenemo, KS payday loan calculator

Payday Loans in Quenemo, Kansas: All You Need to Know

Payday loans are short term loans that are typically taken out to cover unexpected expenses or emergencies. These loans can be a helpful financial tool when used responsibly, but they come with high-interest rates and fees.

Payday loans are legal in the state of Kansas, including in Quenemo. If you’re considering taking out a payday loan in Quenemo, it’s essential to understand the regulations and guidelines surrounding them to make an informed decision.

How do Payday Loans Work?

Payday loans are usually for small amounts, usually less than $500, and are typically due on your next payday. The borrower writes the lender a postdated check for the loan amount plus fees or provides the lender access to their checking account to withdraw the funds on the due date.

If the borrower can’t repay the loan on the due date, they may be able to roll the debt over, typically with additional fees and interest added to the loan. This can lead to a cycle of debt, where the borrower is continually paying additional fees and interest without making progress on paying off the loan.

Payday Loan Regulations in Quenemo, Kansas

In Kansas, payday loans are regulated by the Office of the State Bank Commissioner. The maximum loan amount you can borrow is $500, and the maximum term for a loan is 30 days. Lenders can charge interest rates of up to 15% on the first $300 borrowed and up to 10% on any amount over $300.

While there is no limit on the number of loans you can take out at once, there is a limit on the total amount of outstanding loans you can have. You cannot have more than two loans exceeding a total of $500 at one time.

Pros and Cons of Payday Loans

Before taking out a payday loan, it’s essential to consider the pros and cons.

Pros:

  • Payday loans are a quick way to access cash in an emergency.
  • There is no credit check required, making them accessible to those with poor credit.
  • Payday loans are legal in Kansas, including Quenemo.

Cons:

  • Payday loans come with high-interest rates and fees, making them an expensive form of borrowing.
  • If you can’t repay the loan on time, you may be subject to additional fees, leading to a cycle of debt.
  • Payday loans do not improve your credit score.

Interesting Facts about Payday Loans in Quenemo, Kansas

Payday loans have become a billion-dollar industry, with over 6,000 lending locations in the United States. In Quenemo, Kansas, there are several payday loan locations, including Check Into Cash and Advance America. According to the Kansas Office of the State Bank Commissioner, in 2020, there were 1,439,214 payday loans issued in Kansas, with a total loan volume of $383,766,837.

Apply Now

If you’re considering taking out a payday loan in Quenemo, Kansas, TheGuaranteedLoans can help. We are not a direct lender, but we connect borrowers with potential lenders. Fill out our online application to get started on the loan process.

Remember to borrow responsibly and only take out a payday loan if you can repay it on time. Payday loans are a short-term solution and can lead to long-term financial issues if not used correctly.

F.A.Q.

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

in Quenemo, 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 Quenemo, Kansas?

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