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Online Loans in Kansas (KS)

Payday Loans in Kansas (KS)

Kansas State has a poverty level of 13%, which makes it a little short form the national average of 15.5% in 2017. However, almost 4% of them are unemployed or living at the limit of poverty. Therefore, many people turn on payday loans. There is an estimate of 350 lenders in the whole state – which is a big number. As a result, you can choose one very easily.

Payday Loans Kansas

However, to get an idea of the basics before engaging in getting payday loans in Kansas for yourself, you need to do some proper research.

Details about Payday Loans

A payday loan is basically money borrowed from a legal lender – money which you will have to pay back once you have received your next paycheck. Some people run away from this kind of transaction because they can be insecure sometimes.

After you've made up your mind and decided to engage in getting a loan, do some market research beforehand. Certain lenders have some fees that may be implemented on your loan.

The maximum fee is 15% of the money you've borrowed – so please get your calculations right. After you've found your perfect lender, make sure that you have all your documents and paperwork is done and up to date. Most lenders ask for the ID card, some proof that you are hired in order to make the payments and some bank account information.

After all the documents have been accepted by the lender, in a maximum of 24 hours, you should have the money. From this point on, everything depends on you and how you manage your cash. There are certain things that you may want to be prepared for after this.

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Risks regarding Payday Loans in KS

The maximum amount of money that you can borrow in Kansas is 500$ for a period between 7 and 31 days. However, there’s a catch. The longer the period, the bigger the fees are. So, in order not to sacrifice your entire salary just for only one loan, you should try to figure out some variables regarding your cash flow.

If you have a period that you'll need to return the money, be sure not to get past that period. If you the payment is overdue, then some additional fees could come up when you are late. These fees may put you even more in debt. The lender will warn you about this and the best way to deal with this is to keep in contact with your lender when something happens. Getting some debt stacking up is not in your favor – and dealing with them will be tricky, making you spin in a circle of debt for sure.

To conclude the above statements and information, getting payday loans in Kansas City is simple and straightforward. Also, keep in mind that a maximum number of 2 loans per lender are allowed. Therefore, you should be prepared; if you’re in a desperate need of money, do some market research to find the perfect lender.

Have a question?


Short-term loans represent a type of emergency borrowing meant to help you with immediate financial issues. They can only become pricey products once you use them for long-term purposes.‘s operator and owner is not a lender, so he isn’t involved in making credit decisions that include lending and making loan offers. This website actually works as a matching service, helping you contact with lenders and third parties. You are not charged any fee for our service. Moreover, you are not forced to initiate contact with any lender or third party or accept any of their offers.


The data that is presented on our website regarding short-term loans and the industry is here for information purposes only. We do not uphold a particular lender, and we’re not responsible for a lender’s actions or inactions. Moreover, doesn’t collect or store your data concerning fees and charges associated with the lenders. Basically, we don’t have access to this data in the first place.


Not every state approves of short-term loans. Also, not every lender in our network is able to provide loans of up to $1,000. We don’t guarantee that a consumer will get approval for any loan product or lender or will be matched with a lender. If matched, it doesn’t mean he/she will receive the requested short-term loan.


In addition, a lender may want to do a credit verification. This takes place to ensure that you have a reliable credit, and to determine the scopes of credit products to offer. Additional verification may be needed, including your driving license number, social security number, national ID or other documents that help with identification. Keep in mind that scopes vary from one lender to another based on various factors. These factors include the terms determined by each lender and credit standing of the applicant.


APR Representative

Annual Percentage Rate, or APR, is the loan rate that’s calculated for the annual term. Considering isn’t a lender and doesn’t own information about any detail of short-term loans offered by individual lenders, they can’t estimate the APR. So, the APR provided won’t be the exact one charged by any of the loan products lenders offer.


APRs are very different from one lender to another, one state to another and they depend on various factors, including the credit standing of an applicant. There may be additional charges associated with the loan offer. Some of these charges include late payment, late payment reporting, non-payment penalties, and debt collection actions.


These actions have nothing to do with our website. Moreover, we do not have any information about actions taken by the lenders. The financial and non-financial charges and actions can be disclosed in a particular agreement in a clean manner.


The APR is calculated as the annual charge, and it’s not a financial charge for a short-term loan.


Late Payment Implications

If something happens and you won’t be able to repay a loan on time, it is recommended you contact the lender. Once this happens, late payment charges and fees may be applied. Federal and state regulations may vary from one case to another, and they are determined for late payment cases. Information regarding costs and procedures when it comes to late payment should be discussed before signing any related document. So, make sure you review these with your lender, and they will be disclosed in the loan agreement.


Non-payment Implications

If you don’t pay a loan or miss the payment, there may be some financial and non-financial penalties. Any financial charges or fees in case of late payments should be disclosed in the loan agreement. Other actions related to non-payment, renewals, for instance, may be implied upon given consent. Renewal terms are going to be disclosed in each loan agreement individually. Keep in mind that renewal may also come with additional fees and charges.


Debt collection practices and any similar procedure will possibly be performed. Any action related to these practices is adjusted to the Fair Debt Collection Practices Act regulations. It is also adjusted to other applicable state and federal laws to ensure the consumers’ protection against negative borrowing and unfair lending experiences. Most lenders don’t refer to outside collection agencies. They will rather collect the debt through in-house means.


Late payment and non-payment may significantly impact a borrowers’ credit score and decrease it. Lenders may report these bad experiences to credit bureaus, including Transunion, Equifax, and Experian. If this happens, the consequences of late payment or non-payment will stay in a borrower’s credit reports for a certain amount of time.