Loan Amounts
The maximum loan amount for Kansas residents is $500. Based on your income and other factors, loan limits will be determined on an individual basis.
Loan Terms
A minimum of 7 days to a maximum of 30 days
Permitted Fees
15% of the amount of the cash advance. The loan fees will be $15 per $100 borrowed. The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.
Example APR and Fee Schedule
The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table shows the Annual Percentage Rate (“APR”) and Finance Charges for various loan amounts.
Finance Charge: $15 per $100 borrowed
Please see your consumer loan agreement for the APR and other terms applicable to your loan.
The minimum duration of the loan is 7 days from the disbursement date.
The maximum duration of the loan is 30 days from the disbursement date.
Additional Information
Your Right to Rescind (Cancel) this Loan
A borrower may rescind any consumer loan transaction made under the provisions of this section without cost not later than the end of the business day immediately following the day on which the loan transaction was made. To rescind the loan transaction:
- A consumer shall inform the lender that the consumer wants to rescind the loan transaction;
- The consumer shall return the cash amount of the principal of the loan transaction to the lender; and
- The lender shall return any fees that have been collected in association with the loan.
Extended Payment Plan (EPP)
Kansas law gives payday loan borrowers the opportunity to repay their loan in a series of installments rather than in a single lump-sum payment. This no-cost repayment option is known as an Extended Payment Plan or EPP.
If you are eligible for an Extended Payment Plan, you may request this plan before close of business on the last business day before your loan is due. The EPP allows you to repay the full amount owed in at least four substantially equal installments, scheduled on or after your pay dates (or at least 14 days apart if you do not receive regular income). This option may be used only once within a 12-month period, and no additional fees or interest will be charged while you are on the plan.
Notices
NOTICE TO BORROWER: KANSAS LAW PROHIBITS THIS LENDER AND THEIR RELATED INTEREST FROM HAVING MORE THAN TWO LOANS OUTSTANDING TO YOU AT ANY ONE TIME. A LENDER CANNOT DIVIDE THE AMOUNT YOU WANT TO BORROW INTO MULTIPLE LOANS IN ORDER TO INCREASE THE FEES YOU PAY.
Loan License, Registration, and Certificates
We are licensed and regulated by the Office of the State Bank Commissioner.
Address:
700 SW Jackson St, Suite 300
Topeka, KS 66603
Phone: (785) 380-3939
Consumers may find company information through the NMLS Consumer Access link: https://www.nmlsconsumeraccess.org/
