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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.

$1500
$1500

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    What Do I Need to Qualify for a Payday Loan in Kansas?

    Payday loans are becoming more popular, and anyone living in Kansas can apply for one online or in person, however, you will need to meet certain simple conditions. Many lenders have their own requirements for payday loans, but there are some conditions that apply to most lenders in general.

    To start with, you have to be a resident of the state of Kansas and have a minimum monthly income of $1,000. Besides, you need a fixed address and can provide an email and phone number so you can be contacted.

    You also need a bank account with direct deposit, and you need a social security number if you apply online. Service members and their dependents are mostly not eligible for payday loans.

    Can I Get Kansas Payday Loans Online?

    It is easy to find a payday loan online, but there are so many companies offering loans that it can get a bit confusing, not only that, you don't know which ones are really trustworthy.

    Luckily, WeLoans makes it simple for you. We collect most of the physical storefront locations for lenders in Kansas on the following list, so if you want to apply for a loan in person rather than over the internet, you can easily find them near you. WeLoans gives you plenty of options to find a payday loan, whether online or at a physical location.

    Why Should I Choose to Work With Licensed Lenders for Online Payday Loans in Kansas?

    When you are looking for a payday loan in Kansas, you probably need quick cash and do not want to spend too much time searching the internet. In some cases, an online broker or indirect lender can help, and they will send your details to multiple lenders.

    There are some advantages, though, to using a direct lender; for one thing, it means you only have to deal with one company, and you are not getting a variety of competing offers that you have to check through.

    Also, you won't know what happens with your information; your personal details may be on-sold to other agencies, and you may get a lot of unwanted advertising, or spam emails.

    Choosing a direct lender for payday loans in Kansas may be really the best choice for the smart consumer if you want to keep your information safe and secure because primarily, direct lender payday loans offer security and privacy.

    Can I Apply for a Payday Loan in Kansas if My Credit Is Bad?

    Yes, anyone can get a Kansas payday loan regardless of their credit rating, as long as they meet the lender's basic criteria. Payday loans online are available to any borrower even with low or no credit. Payday lenders focus not only on your credit history but also your income and financial situation, and whether you can afford to repay the loan as well as service your regular household commitments.

    If I Get Approved for a Kansas Payday Loan Do I Have to Accept It?

    If you have been approved for a loan but have not yet received the funds, that is no problem, you just cancel the agreement. If you have already had the money directly credited to your account, and you want to change your mind, you will find that most lenders have a "cooling off" period of up to 3 days, allowing you to repay the money within that time without it costing you anything.

    Borrow with Confidence: Reliable Kansas Payday Loans with No Credit Check

    āœ… Reliable

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    No credit check, bad credit considered

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    Our Top Online Payday Loans Services in Kansas

    • AD
      Personal Loans
      4.9
      24/7 Accessible
      • Various personal loan options
      • Loan amount up to $35000
      • Reasonable rates
      Go to website
    • AD
      Bad Credit Loans
      4.8
      WeLoans' rating
      • Ideal for borrowers with bad credit
      • No collateral needed
      • Flexible repayment terms
      Go to website
    • AD
      Cash Advance
      4.8
      WeLoans' rating
      • Decision as fast as several minutes
      • No extra fees required
      • Easy and safe process
      Go to website

    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.

    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (329)
      • Address:
      • 4850 E Harry St, Wichita, KS 67218
      • Phone:
      • (316) 858-2274
      Alexiz Tapia says, ā€œSuper fast Adri! Thanks for your business! I appreciate it šŸ˜ƒā€View more
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (266)
      • Address:
      • 3133 E Douglas Ave, Wichita, KS 67211, United States
      • Phone:
      • +1 316-683-2274
      Blake Wren says, ā€œMy service today with Maddie was quick and easyā€View more
    • 4.8
      AllStarAllStarAllStarAllStarHallStar
      (166)
      • Address:
      • 2027 SW Fairlawn Rd, Topeka, KS 66604, United States
      • Phone:
      • +1 785-271-2362
      Kaleb Standley says, ā€œBrittany is who did my quote and helped me out amazing at her job super helpful. Will definitely be going back again.ā€View more
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (86)
      • Address:
      • 6171 E 13th St N, Wichita, KS 67208, United States
      • Phone:
      • +1 316-684-8900
      Julie Jones says, ā€œTrish was very nice and helpful!!ā€View more
    • 5
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (94)
      • Address:
      • 6254 E 37th St N Suite 170, Bel Aire, KS 67220, United States
      • Phone:
      • +1 316-688-0913
      Rubina Still says, ā€œMicha is just a doll, you always get a warm welcome when you enter her store and she has suxh patience with everyone!! Always ...ā€View more
    • 6
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (122)
      • Address:
      • 6427 State Ave, Kansas City, KS 66102, United States
      • Phone:
      • +1 913-334-6699
      noel harpell says, ā€œRhonda is the most polite and helpful person I have dealt with in todays world. She has a wonderful disposition and we will r ...ā€View more
    • 7
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (76)
      • Address:
      • 4100 E Harry St Unit 10, Wichita, KS 67218, United States
      • Phone:
      • +1 316-687-0909
      Brandon Love says, ā€œGood people at Advance America. Slow and steady process. They werent reluctant and gave me their full attention and fully sup ...ā€View more
    • 8
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (85)
      • Address:
      • 6300 E 21st St N, Wichita, KS 67208, United States
      • Phone:
      • +1 316-771-0000
      Chris Keener says, ā€œAngela was awesome. She helped me through the process and was very patient with me. Definitely recommended to go through her.ā€View more
    • 9
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (74)
      • Address:
      • 2275 N Amidon Ave, Wichita, KS 67204, United States
      • Phone:
      • +1 316-440-2544
      killer panda says, ā€œVery simple steps. Excellent explanation of process. Easily understood rules and excellent customer servicedā€View more
    • 10
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (72)
      • Address:
      • 1914 NW Topeka Blvd, Topeka, KS 66608, United States
      • Phone:
      • +1 785-234-7558
      George Gillaspie says, ā€œBrandi was very polite and got me through the process quicklyā€View more
    • 11
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (66)
      • Address:
      • 7636 State Ave, Kansas City, KS 66112, United States
      • Phone:
      • +1 913-788-3617
      Malaika Jackson says, ā€œMs. Virginia Graves made the process very easy she is knowledgeable in the facts. She was was very pleasant and welcoming. I' ...ā€View more
    • 12
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (62)
      • Address:
      • 539 E Santa Fe St Ste. 1B, Olathe, KS 66061, United States
      • Phone:
      • +1 913-254-1640
      Richard Brinkman says, ā€œMichelle has helped me so much and explained everything to where I understood completely. I don’t think I would have had a be ...ā€View more
    • 13
      4.6
      AllStarAllStarAllStarAllStarHallStar
      (79)
      • Address:
      • 701A Central Ave, Kansas City, KS 66101, United States
      • Phone:
      • +1 913-281-6400
      Michaelene Mullins says, ā€œShirley is the best!!! Really helpful!!!ā€View more
    • 14
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (54)
      • Address:
      • 2312 E Kansas Ave Suite B, Garden City, KS 67846, United States
      • Phone:
      • +1 620-260-9832
      Ann Schoeneck says, ā€œAlways am treated very well. They are extremely friendly and helpful no matter what. Never seen them have a bad day. Love the ...ā€View more
    • 15
      4.6
      AllStarAllStarAllStarAllStarHallStar
      (76)
      • Address:
      • 1105 W Pawnee St, Wichita, KS 67213
      • Phone:
      • (316) 263-6223
      michelle campbell says, ā€œFor a quick loan, This is the place to go. The staff behind the glass partitions are very easy to understand, knowledgeable a ...ā€View more

    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.

    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

    Other Loans That You May Be Interested in

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    Fast & easy personal loans for your personal needs online 24/7.

    Title Loans in KS

    Turn your vehicle into fast money while still driving it.

    Learn more about payday loans in different states

    View all States

    Kansas Payday Loans at Your Local Area

    Speedy Cash
    4.7
    (68)
    Loan agency
    Advance America
    5.0
    (53)
    Financial institution
    Check `n Go
    4.9
    (50)
    Loan agency
    ACE Cash Express
    4.5
    (70)
    Loan agency

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