Kansas Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Kansas? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Kansas?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Kansas, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Kansas:

Abilene
Andover
Anthony
Arkansas City
Arma
Atchison
Atwood
Augusta
Baldwin City
Basehor
Baxter Springs
Bel Aire
Belle Plaine
Beloit
Bonner Springs
Buhler
Burlington
Caney
Carbondale
Chanute
Chapman
Cheney
Cherryvale
Chetopa
Cimarron
Clay Center
Clearwater
Coffeyville
Colby
Columbus
Colwich
Concordia
Conway Springs
Council Grove
Derby
De Soto
Dodge City
Douglass
Edgerton
Edwardsville
El Dorado
Ellinwood
Ellis
Ellsworth
Elwood
Emporia
Eudora
Fairway
Fredonia
Frontenac
Galena
Garden City
Gardner
Garnett
Girard
Goddard
Goodland
Great Bend
Halstead
Harper
Hays
Haysville
Herington
Hesston
Hiawatha
Hill City
Hillsboro
Hoisington
Holcomb
Holton
Horton
Hoxie
Hugoton
Humboldt
Hutchinson
Independence
Inman
Iola
Junction City
Kansas City
Kechi
Kingman
Kinsley
Kiowa
La Cygne
Lakin
Lansing
Larned
Lawrence
Leavenworth
Leawood
Lenexa
Leoti
Liberal
Lincoln Center
Lindsborg
Louisburg
Lyons
Maize
Manhattan
Marion
Marysville
McPherson
Meade
Medicine Lodge
Merriam
Mission
Mission Hills
Moundridge
Mulvane
Neodesha
Ness City
Newton
Nickerson
North Newton
Norton
Oakley
Oberlin
Olathe
Osage City
Osawatomie
Osborne
Oswego
Ottawa
Overland Park
Paola
Park City
Parsons
Phillipsburg
Pittsburg
Plains
Plainville
Prairie Village
Pratt
Roeland Park
Rose Hill
Russell
Sabetha
Salina
Satanta
Scott City
Sedan
Sedgwick
Seneca
Shawnee
Silver Lake
Smith Center
Solomon
Spring Hill
St. Francis
St. Marys
Stockton
Sublette
Tonganoxie
Topeka
Towanda
Ulysses
Valley Center
Valley Falls
WaKeeney
Wamego
Wathena
Wellington
Wellsville
Westwood
Wichita
Winfield
Yates Center