Payday loans Kansas

Information verified correct on March 24th, 2017

Do you know how much you can borrow

through a paydkansasay loan in Kansas and how

much you’ll have to pay?

Kansas is the 15th largest state in the US and its 34th most populous. It is amongst the most productive agricultural states in the country, with significant outputs of wheat, soybeans, sorghum, corn, hogs, cattle, sheep, and salt. The state’s industries include sectors such as aircraft manufacturing, transportation equipment, machinery, chemicals, petroleum, mining, food processing, and publishing.

In 2008, the gross domestic product of Kansas was $122.7 billion. The state’s per capita income in the same year was $35,013. In April 2015, the unemployment rate stood at 4.3%.

The need for payday loans in residents of Kansas is common. If you wish to find out how these loans work, here’s the information you need.

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!

    A selection of loans you could apply for

    Rates last updated March 24th, 2017
    Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
    Max. Loan Amount Term of Loan Turnaround Time Costs
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
    SWIFT Payday Loan
    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
    $1,000 Varies by lender Next business day APR varies by lender Go to site More
    CashNetUSA Loan
    Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
    $2,250 Varies by state 1 business day Varies by state of residency. Go to site More
    OppLoans Personal Loans
    Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
    $5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
    Cash Central Payday Loan
    Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
    $5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
    ACE Cash Express Payday Loans
    An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
    Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
    LendUp Payday Loans
    Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
    $250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

    Have we missed anything in the comparison table? Tell us

    • If the provider quotes a different rate to the one above please let us know

    Are payday loans legal in Kansas?

    Yes, payday loans in Kansas are legal. It is common for people to refer to these loans as payday advances and cash advances. Kansas Statutes 16a-2-404 and 16a-2-405 govern the functioning of all payday lenders in the state.

    Kansas payday loans laws state that a lender cannot have more than two outstanding loans with a borrower concurrently. A payday lender cannot provide more than three loans to a borrower within a 30-day period. You cannot repay a payday loan using proceeds from another payday loan from the same lender.

    The maximum you can borrow through a payday loan in Kansas is $500.

    Why should you consider taking out a Kansas payday loan?

    Here’s why you might think about getting a payday loan:

    • Various options. Since payday lending is legal in Kansas, you get a number of options to choose from. These include direct lenders as well as loan matching services. The latter don’t charge any fee. They help you find suitable loans after taking your situation into account.
    • Easy application process. Applying for a payday loan is easy, whether you wish to apply in-store or online. You can complete a typical payday loan application in minutes. With online applications, you can apply from anywhere as long as you have access to an Internet-connected computer.
    • Get funds quickly. Payday lenders don’t follow the same stringent application and underwriting processes as banks, which is why they’re able to process their loans faster. Some payday lenders can give you access to funds on the day you apply or by the following business day.
    • Poor credit history is alright. Getting a conventional loan may not be possible if you have poor or bad creditworthiness. However, you can still consider applying for a payday loan, because payday lenders assess your current financial situation and ability to repay.

    What fees and charges do Kansas payday loans come with?

    When you get a cash advance in Kansas, you have to repay the amount you borrow as well as other costs. Here’s what Kansas payday loans laws say about finance charges:

    • Maximum finance rate and fees. A payday lender cannot charge more than 15% of the advanced amount as fees. The maximum finance charge for a 14-day $100 loan is $15. The maximum APR of a 14-day $100 loan is limited to 390%.
    • Collection fees. The lender can charge one NSF fee for failure to repay.
    • Rollover fee. State laws do not mention any specific rollover fees.If you don’t repay the loan on time, the lender cannot charge more than 3% of the loan proceeds per month after the date of maturity.

    How can I apply for a Kansas payday loan?

    You can apply for a payday advance in Kansas online or by visiting a store-front. To apply, you’ll have to meet some basic eligibility criteria:

    • You’re an American citizen or a permanent resident of the US
    • You are at least 18 years of age
    • You have a steady source of income

    Successfully completing the application requires that you submit some basic personal information:

    • Your name, home address, phone number, and email address
    • Your date of birth
    • Your social security number and a valid form of ID such as your driver’s license or passport
    • Details about your employment
    • Details about your income and pay schedule

    Important information about payday loans

    While payday loans can be beneficial for many people, they aren’t always the best option for everyone. Follow the link for more information.

    The hidden consequences of payday loans

    Have any more questions about Kansas payday loans?

    How much time do I get to repay a cash advance in Kansas?

    The minimum term is seven days and the maximum is 30 days.

    Can I rescind a payday advance in Kansas?

    Yes, you can, provided you do it before the end of business day following the day the lender disburses the funds.

    Who should I contact to file a complaint about a payday lender in Kansas?

    You should get in touch with the Office of the State Bank Commissioner.

    Are payday loans available in my state?

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    US Payday Loans Offers

    Learn about our information service
    Check into Cash Payday Loan

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

    LendUp Payday Loans

    Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.

    SWIFT Payday Loan

    Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

    CashNetUSA Loan

    Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

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