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Kansas Payday Loans

It happens to even the best of us; unexpected costs and emergency situations are bound to happen in life, and it seems like the less money you have, the more you need. If you’re facing surprise costs and don’t have the funds to get you through, you’re not alone. In Kansas, payday loans have become a popular choice for people who are looking to get access to short term financing quickly.

What is a payday loan?

Payday loans are small cash advances that you can borrow from many different lending companies. The loans are generally equal to, or less than, one of your paychecks, as they must be paid back in full by your next pay period. Cash advances are meant to be solutions for small problems, and are not intended for larger purchases, such as buying a car or a house.

What can you use a payday loan for?

Payday loans are very flexible. While lenders need to ask you why you require access to cash, they are only concerned about your intentions for auditing and documentation purposes. Truly, if you need money for only a short period of time, then a payday loan is a good fit no matter what your intentions.

Here are some of the reasons why residents of Kansas have been turning to payday loans in their time of need:

  • Prescription expenses
  • Medical costs
  • Family member illnesses
  • Vet bills
  • Vehicle repairs
  • Unexpected travelling
  • Delayed vacation or insurance payments
  • Payroll errors

How do I apply?

Applying for a payday loan is simple. In Kansas you can apply either online or in person. Online applications can take as little as 15 minutes, with approval being determined immediately. The only downside is that online applications generally deposit your payday loan into your bank account directly – this direct deposit may occur on the same day as your application, but it could also take as long as 24 business hours for the funds to become available.

Applying in person takes a little bit longer, but is still very quick; face-to-face applications can usually be completed within an hour. When you apply in person for a payday loan your lender will either give you the cash you’ve been approved for at the end of your appointment, or they will cut you a check, which you can deposit or cash at your discretion.

When applying for a cash advance it is important to have some basic information handy:

  • Driver’s licence
  • Social Security Number
  • Your most recent paystub
  • A void check or your bank account information

While payday loan companies generally do not require credit checks, they still need to document your SSN as they often report their lending practices to the major credit bureau companies.

It’s easy to see that payday loans are fast and convenient. When life throws you a curveball and you need access to money, don’t hesitate to look into obtaining a cash advance; in Kansas, the options to finance your unexpected expenses are endless.