PAYDAY LOAN Application Form

How much would you like to borrow?

Personal Information
Personal Information
Additional Information
Additional Information
Your Transfer Details
Your Transfer Details
Need help? Use our ABA lookup.

Your data is secured using industry standard for the site information security. Your ABA/Routing number can be found on most bank statements as well as on the bottom of your checks.

By submitting your information you claim you have read and understood and agree to Privacy Policy , Terms of Use , Responsible Lending and Marketing Practices

Payday Loans in Wichita, Kansas

Payday Loans in Wichita, Kansas

Apply online for fast Payday Loans from the best Wichita, KS direct lenders to get quick and easy money.

Get a short-term cash advance with no credit check. You can qualify for Wichita cash loan even with no bank or checking account. Bad credit is not a problem to get approved for a fast Payday advance in Wichita either. Just fill out a free application form online and get an instant decision from multiple lending companies within a few minutes.

Need emergency cash? Consider applying for quick Kansas Payday Loans Online with no credit check required. Bad credit won't be a problem for approval. Financing is likely to be granted within 1 - 2 business days.


Apply for online payday loans and get instant decision from the best Wichita lending organization


Rates last updated March 24th, 2023


Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in Wichita, KS?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday Loans up to $500 are legal in Kansas (Kan. Stat. Ann. § 16a-2-404, 405)1. Those who need more can apply for $1000 - $5000 Installment and $5000 - $35,000 Personal loans. A cash advance must be paid off on time. For payday, it’s 7 – 30 days. The APR shouldn’t exceed 390%, which is $15 finance charge for 14-day $100 borrowed. Only one loan is allowed at a time and there aren’t any rollovers.

Law status legal
MIN Loan Amount None
MAX Loan Amount $500
MIN. Loan Term 7 days
MAX. Loan Term 30 days
MAX APR 390%
Additional fees $15 for every $100 borrowed
NSF fee One per loan
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period Not stated
Rollover None
Extension, repayment plan None
Default penalties Not stated
Credit score requirements Available for Bad Credit
Apply online

Wichita, Kansas Payday Loans for Quick Cash

Payday Loans are typically short-term, small-dollar loans that are intended to be fully repaid on the borrower's next payday, which happens to be two to four weeks after the loan is given. Typical payday loan amounts range from $100 to $1,000.

Payday loans are frequently promoted as a simple and handy way to get cash quickly, but they are often very expensive due to the high interest rates and fees they carry. When borrowers take out additional loans to pay off their initial loans, they may find themselves in a vicious cycle of debt.

The terms and conditions of payday loans can change based on where you live because they are governed at the state level. Before applying for a payday loan, it's crucial to study and comprehend all of the terms and costs involved.


How to Apply for a Payday Loan in Wichita, Kansas?

Depending on the lender, the procedure for applying for a payday loan may differ, but the following general stages apply to all lenders:

  • Start by doing some study on local or internet payday lenders. Compare the interest rates and fees of reliable lenders with good reviews.
  • Verify your eligibility. Before requesting a payday loan, ascertain that you are in accordance with the lender's eligibility standards. This might entail having a reliable source of money and a valid ID.
  • Collect necessary proofs. When applying for a payday loan, you'll typically need to present identification and evidence of income. This could be a current pay stub, bank records, or an ID from the government.
  • Wait for approval. The lender will review your application after you send it and decide whether or not to approve your loan. Depending on the lender and the size of the debt, this could take a few minutes or a few days.
  • Funds will be deposited into your account. If your loan request is accepted, the lender will typically do so immediately. For same-day or next-day funding, be mindful that some lenders might charge a fee.

Remember that payday loans have high interest rates and fees; therefore, carefully weigh all of your borrowing options and only take out what you truly need and can afford to return.


Why People in Wichita, Kansas Apply for Payday Loans?

Payday loan usage is frequently done for the following motives:

  • Payday loans can be used to assist with unforeseen costs like home repairs, vehicle repairs, or medical bills.
  • Paying bills: In order to pay their bills on time or prevent late penalties, some people take out payday loans.
  • Meeting immediate financial needs: A payday loan can offer temporary respite if you lack funds and must pay for essential living costs like rent or groceries.
  • If you complete your payments on time and in full, payday loans can be used to help improve your credit score.


Bad Credit Payday Loans in Wichita, Kansas

Due to the lender's higher risk, bad credit payday loans in Wichita typically have higher interest rates and fees than conventional payday loans. To be eligible for a bad credit payday loan, borrowers may also need to submit additional paperwork, such as proof of income or a co-signer.

Although individuals with bad credit may be able to obtain emergency cash through bad credit payday loans, these loans can be very expensive and, if not repaid on time, may result in a cycle of debt. A payday loan should only be taken out if the borrower can afford to pay it back in full on their following paycheck.


What If I Can’t Repay the Loan?

The consequences of not being able to repay a payday loan in Kansas can be severe and differ based on the lender. Here are some potential results:

  • Late fees and interest. The lender may impose a late fee and/or extra interest on your loan if you fail to make a payment on time.
  • If you don't pay back the loan, the lender may start contacting you to demand payment through collection calls and emails. They might contact you at home or at work, write you a letter or send you an email asking for money.
  • Damage to credit score. If the lender informs the credit agencies of your late payment, it could lower your credit score, making it more difficult for you to get credit in the future.


The Bottom Line

Payday loans have high interest rates, fees, and can result in a debt cycle even though they can give you access to money quickly. Always weigh your choices carefully, and only take out a payday loan if you can afford to pay it back in full on your following paycheck.

PayDay Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Payday Loans Available in Wichita, KS by the following ZIP codes:

67037 67052 67055 67067 67101 67106 67201 67202 67203 67204 67205 67206 67207 67208 67209 67210 67211 67212 67213 67214 67215 67216 67217 67218 67219 67220
67223 67226 67227 67228 67230 67232 67235 67260 67275 67276 67277 67278

In 2023 there are 389,902 people living in Wichita, KS. According to the statistics, 23394 of them look for "Payday Loans Near Me in Wichita, KS" or apply for Wichita Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 45947. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Wichita, Kansas direct lenders.

Payday Loans Store Locations in Wichita, KS

Cash Advance and other Money Offers in Wichita, KS:

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.



How to qualify for online Payday Loans in Wichita, KS?


How Wichita Payday Loans online work?


Can I get a Payday Loan with bad credit in Wichita, KS?


Do Wichita lenders offer no credit check Payday Loans?


How fast can I get a Payday Loan in Wichita, KS?


Do lenders in Wichita, KS require a certificate from the employer?


How long does an online payday loan take?


Do you have to specify the purpose of a payday loan?


Can I take a payday loan at Compacom if I have a liability with another loan company?


How to sign a payday loan agreement?


Ask an Expert

Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

Start online application

Advertiser Disclosure

COMPACOM.COM is an independent advertising service that provides information and reviews on various companies to help customers compare them and get the best deal. If the company's page is not marked by "Affiliate Sign" and "Affiliate Disclosure", it means we are not affiliated with this business. We just provide the relevant data to help the company promote its services and let the customers find and get the necessary assistance faster.

COMPACOM.COM is not responsible for any products and services advertised and compared. As you click on any advertising block, you are redirected to the third party's website and it's your responsibility to check all the details of the deal. Neither is COMPACOM.COM liable for other companies' logos, names are trademarks™ or registered® trademarks used on our website. Their use does not signify or suggest endorsement, affiliation, or sponsorship. The main aim of COMPACOM.COM is to provide verified information that is taken from the companies' websites and other public sources and supported by the links to them.

COMPACOM.COM can get some compensation for featured placement of certain sponsored products and services, or your clicking on links posted on this website. But it doesn't impact the way the companies are evaluated. Their rating is based solely on real people's reviews which go through a double verification via phone number and e-mail.

We strive to keep all the information on this site up-to-date and accurate but you should check any rates and terms as well as other product or service information on the provider's website.