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The Sunflower State of Kansas has nearly 3 million people and a strong agriculture industry.
However, industrious Kansans may need extra finances. They can turn to installment loans to help.
The guidelines for installment loans in Kansas can vary depending on the loan amount, interest rates, and the purpose of the loan. Keep reading to learn more.
An installment loan allows borrowers to acquire funds for specific needs like mortgage payments or other unexpected expenses.
These loans may either be secured or unsecured:
These are important terms that determine installment loan amounts:
In exchange for receiving money, the borrower must repay set portions of the cash every month. Unlike shorter loans like cash advances or payday loans, these have longer terms and a varying interest rate.
To get personal loans in Kansas, remember to meet or prepare the following:
The following are key details for Kansas personal loans:
Though there is no minimum interest rate regulation, lenders cannot exceed a 36% annual percentage rate (APR) for amounts less than $860 and no more than 21% for amounts over $860.
NOTE: Kansas state law allows lenders to deduct administrative, filing, and processing fees from the borrowed money.
Yes, you can get bad credit loans in Kansas. Most lenders focus primarily on your ability to pay back the loan.
By filling out our inquiry form, we can help you find a lender that offers installment loans that fit your needs. After pre-approval, you will be contacted by a third-party lender.
Because some interest rates and amounts vary, many Kansas residents deal with predatory lenders.
To combat this, Kansas law has set regulations to limit the maximum APR. Kansas Statutes § 16a-2-401(a) states, "36% per annum on the portion of the unpaid balance which is $860 or less, and (b) 21% per annum on the portion of the unpaid balance which exceeds $860."
Kansas Statutes § 16a-2-308(a) limited the maximum terms for installment loans. Borrowers cannot exceed payment periods beyond 37 months for a loan of more than $300 and 25 months above this amount.
When you need financial assistance, our third-party lenders can help you get installment loans even if you have a bad credit score.
You can receive essential personal installment loans quickly through their secured and fast online loan services. To start the process, fill out our inquiry form.
This section answers common questions about installment loans in Kansas.
Installment loans help your credit by creating a credit history. Following repayment agreements positively impacts it, while late repayments negatively impact it.
Personal unsecured installment loans are loans that aren't secured by collateral.
The principal loan amount, interest rates, and fees are divided into equal monthly payments. They use an amortization formula, which is detailed as follows:
Monthly Payment = P (r (1+r)^n) / ((1+r)^n-1) P = Principal amount
r = Monthly interest rate divided by 12
n = Total number of payments
If you’re looking for a personal loan, Loan for Any Purpose is here to help.
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