Payday Loans in Kansas (KS)

Are you in need of urgent money? We have listed all top lenders in the industry in Kansas for you to consult. Just simply refer to the list and pick out the one that matches with your financial status.

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    15 Best Payday Loans & Cash Advance in Kansas (KS)

    We present you with a list of all lending companies that can give you quick cash in Kansas. To save you from hassle, please reviwe the whole list on these pages and see whether the information will help you or not.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (595)
      • Address:
      • 1209 W 11th St, Coffeyville, KS 67337, United States
      • Phone:
      • +1 620-251-4557
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (509)
      • Address:
      • 1218 S Rock Rd ste b, Wichita, KS 67207, United States
      • Phone:
      • +1 316-215-8063
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (477)
      • Address:
      • 240 S West St #50, Wichita, KS 67213
      • Phone:
      • (316) 444-3777
      • Open hours:
    • 4
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (892)
      • Address:
      • 1547 Oliver, Wichita, KS 67218, United States
      • Phone:
      • +1 316-440-7445
      • Open hours:
    • 5
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (413)
      • Address:
      • 3133 E Douglas Ave, Wichita, KS 67211, United States
      • Phone:
      • +1 316-683-2274
      • Open hours:
    • 6
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (395)
      • Address:
      • 4850 E Harry St, Wichita, KS 67218
      • Phone:
      • (316) 858-2274
      • Open hours:
    • 7
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (393)
      • Address:
      • 3601 SW Topeka Blvd, Topeka, KS 66611, United States
      • Phone:
      • +1 785-266-2740
      • Open hours:
    • 8
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (350)
      • Address:
      • 8595 College Blvd #160, Overland Park, KS 66210, United States
      • Phone:
      • +1 913-890-4653
      • Open hours:
    • 9
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (542)
      • Address:
      • 6820 W Central Ave, Wichita, KS 67212, United States
      • Phone:
      • +1 888-942-3320
      • Open hours:
    • 10
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (324)
      • Address:
      • 7501 Mission Rd Suite 200, Prairie Village, KS 66208, United States
      • Phone:
      • +1 913-745-7000
      • Open hours:
    • 11
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (284)
      • Address:
      • 2412 W Pawnee St, Wichita, KS 67213, United States
      • Phone:
      • +1 316-927-2799
      • Open hours:
    • 12
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (390)
      • Address:
      • 10700 Nall Ave, Overland Park, KS 66211, United States
      • Phone:
      • +1 913-905-2100
      • Open hours:
    • 13
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (269)
      • Address:
      • 9120 W 135th St, Overland Park, KS 66221, United States
      • Phone:
      • +1 913-239-8100
      • Open hours:
    • 14
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (257)
      • Address:
      • 3626 SW Wanamaker Rd, Topeka, KS 66614, United States
      • Phone:
      • +1 785-228-0149
      • Open hours:
    • 15
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (183)
      • Address:
      • 6171 E 13th St N, Wichita, KS 67208, United States
      • Phone:
      • +1 316-684-8900
      • Open hours:
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    Kansas Payday Loans Regulations

    • Loan Amount (max)

      $500

    • Loan Term (max)

      30 days

    • Finance Charges

      15% of the amount advanced one NSF fee and 3% per month of the outstanding amount

    • APR
      391%

    Business concerning payday loans in Kansas is Legal. The state imposes a $500 amount limit offered by the lenders. Borrowers here can hold a payday loan for a period of not longer than 30 days. The maximum finance charge is 15% of the amount advanced one NSF fee and 3% per month of the outstanding amount, and the APR is 391%.Not specified rollovers are permitted in thie state.There are 2 from one lender cooling-off periods between two consecutive loans. The number of outstanding loans shoud be less than 2 from one lender.

    The Amount for a Payday Loan in Kansas

    • Under the state laws of Kansas, lenders can’t offer over a $500 loan each time.
    • Over 2 outstanding loans at a time are not permitted.

    What Are Rates, Fees and Other Charges in Kansas?

    Lenders can’t charge over 15% of the amount advanced: It is prohibited for licensed lenders to charge more than 15% of the borrowed amount according to §16a-2-404.

    It is not permitted for the annual percentage rate on any loan for $100 that is provided for 2 weeks to exceed 390%.

    Nevertheless, real APR in Kansas may be 391% for the average $300 payday loan (According to the Center for Responsible Lending 2019).

    With a 7 days term:

    APR: 391%

    Loan cost: $100* 391%* (7/365)=$7.5

    To return: Principal+Loan cost=$100+$7.5=$107.5

    What Is The Maximum Term for a Payday Loan in Kansas?

    • There is a period of more than 7 and less than 30 days for a payday loan.
    • Rollovers or extensions are forbidden and borrowers must repay the loan in time.
    • Borrowers can get the grace period according to Section 16a-2-404(9). Borrowers should not pay any fees on the premise that they can pay back the loan in full by the end of next business day after the day the loan was taken. There should not be any fees or charges implied in this case. Lenders should be notified of rescinding and all the fees and charges should be returned if a borrower changes his mind.

    Consumer Information

    Attention

    There is no need for lenders to check borrowers’ ability to repay a loan since July 2020. You should evaluate your financial situation so as not to get into a debt trap. The rule was changed by the CFPB.

    • More than one NSF fee is not allowed per loan.
    • Any criminal actions against default payment are not allowed.

    Search for more information about payday loans in Kansas on the official website of the Office of the State Bank Commissioner.

    Pick out Payday Loans in Kansas by Cities

    It is convenient to apply for an online payday loan in Kansas. Just hit the following cities and pick out the lender who meets your requirements.

    View More Cities →

    Calculator for Kansas Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Kansas.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Kansas Payday Loans at Your Local Area

    Check `n Go
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (224)
    Loan agency
    Advance America
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (203)
    Financial institution