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Kansas Payday Loans and Lenders (KS)

There’s good news for people of Kansas; if you are strapped for cash and payday is still a week or so away, we can help you. Here at Payday Today, we specialize in offering our customers quick and easy payday loans. Our application process only takes a few minutes, and the funds will be waiting in your bank account the next morning. Give us a try.

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Kansas Payday Lending Alternatives

Although Payday Loans are a helpful product to some, they may not be the answer for every customer. If you are looking for a long-term solution to your financial problems, consider one of the alternative programs we offer at payday today. The credit cards, personal loans, and debt consolidation options have proved popular in the past. We also offer credit counseling for those who wish to better their credit rating.

Kansas Payday Lending Laws

Kansas is one of the nineteen states in which payday lending is lawful. The following is some information you should know if you are considering applying for a payday loan in the state.

  • The minimum loan term for a payday loan is seven days, the maximum term is thirty days.
  • There is no minimum loan amount, but the maximum is five hundred dollars.
  • Lenders may charge interest in the equivalent of fifteen dollars per one hundred dollars loaned.
  • The effective 14 day APR is 390%.

It is also important to know that lenders are not allowed to divide the amount you owe on your loan into two separate loans, thus increasing the fees and interest you would have to pay. Borrowers are also not allowed to take out more than one loan at a time.

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Number of Payday Lenders in Kansas

In December 2005, there were 358 locations in which Kansas residents could apply for payday loans, sixty-one of which are in Wichita. Ten years ago, there were only thirty-six licensed payday loan centers.

Kansas Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in Kansas as of January 2006 was 5.0. This is a drop of 0.8 since January 2005. Over the last ten years, the unemployment rate has wavered between 3.1 and 6.1.

In January 2006, there were 73,226 unemployed people in Kansas.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.

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