Short-terms loan in Wichita, Kansas |
Wichita Cityscape

Short-term loans in Wichita, Kansas

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Here’s the information you need to know if you want to get a short-term loan in Wichita, Kansas.

If you need a little extra money to get back on your feet, you’ll want to understand how short-term lending works. The guide below will help cut through the jargon and tell you what you need to know about borrowing in Wichita.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    How do Kansas laws impact short-term loans in Wichita?

    Kansas Revised Statutes 16a-2-404 and 16a-2-405 cover what is and isn’t legal when it comes to short-term loans. These laws apply to lenders all over Kansas and online, so if you’re a resident of Wichita, you’ll need to be sure your lender is abiding by them.

    $500 is the maximum amount you can borrow in Wichita. Loan terms last 7 to 30 days, and you’ll have to pay a financing fee of 15%.

    You can read about Kansas short-term loan laws here

    How much will a short-term loan cost?

    How much a loan costs depends on the terms your lender presents you and how much you want to borrow. For instance, if you choose to borrow $100, you may have to pay up to $15 on your due date.

    If you borrow the maximum amount of $500, you’ll pay up to $75 on the due date. This doesn’t include any other fees your lender might charge, but it should give you a good idea of how much you’ll end up paying for a short-term loan.

    Consider these lenders for a short-term loan in Wichita

    Rates last updated December 9th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    Why a short-term loan in Wichita might work for you

    • Apply with bad credit . Short-term lenders will accept low credit scores. They care more about your financial situation and ability to repay than past problems with credit.
    • Easy applications. With application times of just 5 to 10 minutes, you can get a decision almost instantly when you apply online.
    • Receive your loan quickly. When you apply in-store, you’ll likely be able to walk out with your loan. When you apply online, you’ll be able to have your loan deposited directly into your bank account as soon as the next business day.

    Elliot needed money for house repairs

    Elliott’s house was damaged in a storm. Although his home owner’s insurance would cover much of the cost, the house needed repairs before the check arrived. Both Elliot and his partner had low credit scores due to past mistakes. They didn’t have enough savings, and Elliot felt their best option would be to take out a short-term loan.

    He applied in store for a loan of $500 at a local store and received the money on the same day. Elliott’s next paycheck was three weeks out, so that’s when his loan payment was due. At the time of signing, the lender made it clear that there would be a $75 fee for the advance.

    They were able to afford the house repairs and, with proper budgeting, the payment for their loan after the insurance check arrived.

    Need to apply for a short-term loan in Wichita?

    Before you do, you’ll need to be at least 18 years old, a citizen or permanent resident of the US and have a steady source of income.

    You’ll need to provide the lender with some basic personal information to your lender. This includes

    • Your name, address, email and phone number
    • Your date of birth, Social Security number and details from your state-issued ID
    • Your Employer’s name, address and phone number
    • Your gross monthly income
    • Your bank account details if applying online

    Where to get a short-term loan in Wichita

    Short-term loan offices near you in Wichita

    If you’d like to visit a physical store to apply for a short-term loan in Wichita, here are some of your options:

    • Fast Payday Loans. 2560 S Seneca St, Wichita, KS 67217
    • Money Shack Payday Loans. 5530 W Central Ave, Wichita, KS 67212
    • Net Pay Advance, Inc. 455 N Maize Ct, Wichita, KS 67212
    • Payday Money Store. 530 S West St #100, Wichita, KS 67213
    • Quik Cash. 447 N Oliver Ave, Wichita, KS 67208

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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