Cash Advance and Payday Loans in Wichita, KS

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Unlike some states, it is legal, with limitations, to get a cash advance in Wichita, KS.

A cash advance is a short-term loan that lets Wichita residents borrow money in cases of financial emergency. Some of the most common reasons borrowers take out payday loans are to cover living expenses, medical emergencies, or short-term cash shortages. Borrowers should only take a payday loan out with the intention of repaying it with their next paycheck in order to avoid a debt trap.

Advantages of Taking Out Payday Loans in Wichita

The advantages of taking out a payday loan in Wichita are plenty. Some of them include:

  • Payday loans are an easy access point to cash for borrowers. Besides their fast process, lenders often prioritize transferring the money over, usually as soon as the next business day.
  • The application system is relatively easy and user-friendly. Many lenders have a completely web-based approval system. As long as the candidate can meet the minimum requirements, they can fill out the online form.
  • Your income might be one factor for approval. While credit checks are still necessary to ensure a safe cash transaction, online lenders usually pay more attention to the borrower’s income.
  • Payday loans are an accessible and quick alternative to private or bank loans. Online payday loans may be easier for some applicants to receive than other forms of lending.

How to Get a Cash Advance and Payday Loan in Wichita?

You can apply for a payday loan or other cash advance at either a storefront or an online lender. Both storefront lenders and online lending platforms are prevalent in Wichita, KS.

The following information might be needed to apply for a loan:

  • Personal information, such as your name, address, phone number, and email address
  • Bank account number
  • Employer name or revenue source.

Specific lenders may have additional information requirements.

Cash Advance and Payday Loans Requirements

Lenders may require potential borrowers to meet the following criteria:

  • You must be 18 years or older to apply.
  • You must provide your Social Security number.
  • You must be a legal resident of Wichita, Kansas. Proof of residency is needed.
  • You must have a stable source of income.
  • You must provide a phone number and email address.
  • You must not be in debt or bankruptcy.

Please note that requirements may vary by lender.

Costs and Regulations of Cash Advance and Payday Loans in Wichita, KS

The State of Kansas imposes some limitations on payday loans and cash advances. The maximum loan amount allowed is $500, excluding charges. The state has also set a regulation to maintain the licensed lenders’ capacity to imply finance charges to the borrowed amount. The loan term must span between seven and 30 days, however, the number of rollovers allowed is not specified.  Lenders often set a repayment date as soon as the borrowers agree on the loan. Usually, this is the day after the borrower's paycheck. Lenders can charge up to 15% of the amount borrowed in finance charges.

Installment Loans in Wichita

Installment loans are typically bank attributed items and are standard products applied to car or mortgage loans. However, some payday lenders offer installment loans as well.

An installment loan is a short-term loan with a longer payment plan. Whereas payday loans typically require the borrower to pay back the amount borrowed in one lump sum after only a couple of weeks, installment loans allow borrowers an extended repayment term. Some lenders will offer up to one year to pay back an installment loan.

Requesting Title Loans in Wichita

Title loans are yet another type of short-term cash advance. This form of cash advance places the borrower’s vehicle – either a car, truck or motorcycle – up as collateral to secure the loan. The borrower must hand over the hard copy of the vehicle's title to the lender to receive a title loan.

The basic process to receive a title loan is like that of a cash advance or payday loan. Borrowers will have to complete an online request form, after which the lender will review their information and the vehicle presented as collateral.

When applying for a title loan in Wichita, Kansas, the following documents might be needed:

  • Valid government-issued photo identification
  • Proof of residence
  • Name, address, email address, and phone number
  • Photos of vehicle
  • Name of employer or revenue source
  • Lien-free car title

Before you can use a lien-bound vehicle as collateral, you must pay back the initial loan.

Favorite Wichita, KS Cash Advance and Payday Loan Companies

There are many cash advance and payday loan companies in Wichita, KS.

Advance America has plenty of storefront locations scattered around the city. Aside from its store locations, Advance America has a website packed with useful information. They offer payday loans, installment loans, title loans, and lines of credit.

Similar to Advance America, Check Into Cash has storefront locations in Wichita. They offer payday loans, installment loans, and title loans.

Other companies in Wichita, KS include ACE Cash Express, Check n’ Go, Loan Smart, Lendnation, Money Shack Payday Loans, Net Pay Advance Inc., and Payday Money Store.

With so many online and storefront payday loan options out there, you should examine all aspects of a company's terms before selecting a lender. To read more payday loan laws in Kansas or to identify your lender’s license, visit the Kansas state legislature website.

Company name
Address
Phone
A LOAN AT LAST
3375 E 47th St S Wichita KS, 67216
316-522-9314
A Loan At Last
3375 East 47Th Street South Wichita KS, 67216
316-522-9314
A NO 1 PAYDAY
1825 S Broadway St Wichita KS, 67211
316-263-7000
A O K Pawn And Retail
1547 S Oliver St Wichita KS, 67218
316-682-6242
A OK CASH CENTER
240 S West St Ste 50 Wichita KS, 67213
316-945-9800
A Ok Check Cashing & Payday Loans-Midtown
410 North West Street Wichita KS, 67203
316-945-9000
A-No 1 Pawn Shop
1825 South Broadway Street Wichita KS, 67211
316-263-7000
A-No 1 Payday Loan East
3111 East Douglas Avenue Wichita KS, 67211
316-612-2000
A-No 1 Payday Loan South
2020 South Oliver Street Wichita KS, 67218
316-685-9999
A-Ok Check Cashing - East Location
1547 South Oliver Street Wichita KS, 67218
316-682-6242
A-Ok Inc
7310 W Central Ave Wichita KS, 67212
316-773-9999
A-Ok Income Tax Service
Oliver & Harry Wichita KS, 67203
316-682-6242
ACE CASH EXPRESS
7340 W Central Ave Apt W Wichita KS, 67212
316-773-2810
ACE CASH EXPRESS
410 N Hillside St Ste 1200 Wichita KS, 67214
316-681-0341
ACE CASH EXPRESS
606 N West St Wichita KS, 67203
316-944-2142
ACE CASH EXPRESS
801 S Woodlawn Blvd Wichita KS, 67218
316-691-5076
ACE CASH EXPRESS
1606 S Broadway St Wichita KS, 67211
316-263-9223
Ace Cash Express Inc
1606 South Broadway Street Wichita KS, 67211
316-263-9223
Ace Cash Express Inc
1535 E Central Ave Wichita KS, 67214
316-267-2274
Ace Cash Express Inc
6259 E 21St St N Wichita KS, 67208
316-612-8834
Ace Cash Express Inc
1105 W Pawnee St Wichita KS, 67213
316-263-6223
Action Pay Day Loans
1845 South Rock Road Wichita KS, 67207
316-651-5540
American Check Casher
2628 South Oliver Street Suite 101 Wichita KS, 67210
316-687-5200
American Check Casher Inc
2628 S Oliver St Ste 101 Wichita KS, 67210
316-687-5200
American Payday Loans
601 North West Street Suite 210 Wichita KS, 67203
316-945-7788
AMERICAN PAYDAY LOANS
601 N West St Wichita KS, 67203
316-945-7788
Arrow-Atlas Bail Bonds
Wichita Wichita KS, 67203
316-263-8980
C & C PAWN SHOP
1010 W 31st St S Ste 100 Wichita KS, 67217
316-522-5861
Central Loan Company
1617 East Central Avenue Wichita KS, 67214
316-269-1555
CENTRAL LOAN COMPANY
1617 E Central Ave Wichita KS, 67214
316-269-1555
Check Cashing Center
2303 South Seneca Street Wichita KS, 67213
316-267-3778
Check Cashing Centers
2303 S Seneca St Wichita KS, 67213
316-267-3778
Check Center
1024 North West Street Wichita KS, 67203
316-943-2000
CHECK INTO CASH
3100 E Central Ave Wichita KS, 67214
316-651-2825
CHECK INTO CASH
240 S West St Wichita KS, 67213
316-943-0165
CHECK INTO CASH
6100 E 21st St N Wichita KS, 67208
316-688-1324
CHECK INTO CASH
2424 S Seneca St Wichita KS, 67217
316-263-0499
CHECK INTO CASH
4838 S Broadway St Wichita KS, 67216
316-554-0499
CHECK INTO CASH
502 N Wheatland Pl Wichita KS, 67235
316-941-3777
CHECK INTO CASH
7011 W Central Ave Wichita KS, 67212
316-941-3777
CHECK INTO CASH
7809 E Harry St Wichita KS, 67207
316-687-0952
Check Mate
1000 North Waco Street Wichita KS, 67203
316-262-6283
Checkcare Systems
331 South Hydraulic Street Wichita KS, 67211
316-263-2432
Country Pawn & Antique
3842 South West Street Wichita KS, 67217
316-522-0132
DADDYS MONEY
4928 S Broadway St Wichita KS, 67216
316-529-8901
Dia De Pago
808 W 25Th St N Wichita KS, 67204
316-838-5552
Dia De Pago
808 West 25Th Street North Wichita KS, 67204
316-838-5552
FAST CASH TITLE LOAN
340 S Greenwich Rd Wichita KS, 67207
316-688-9930
FAST CASH TITLE LOAN
4525 E Central Ave Wichita KS, 67208
316-681-1800
Fastfunding First East Inc
Wichita Wichita KS, 67201
316-618-1311
Galt Ventures Inc
3527 N Ridge Rd Wichita KS, 67205
316-722-3801
Nicholson & Associates Llc
209 East William Street Wichita KS, 67202
316-269-3321
P D L Corporation
3040 S Seneca St Ste 5 Wichita KS, 67217
316-524-5600
Paycheck
133 South Hydraulic Street Wichita KS, 67211
316-264-4095
PAYCHECK
133 S Hydraulic St Wichita KS, 67211
316-264-4095
Quick Check Cashing Service
1516 East Central Avenue Wichita KS, 67214
316-264-6456
QUIK CASH
1020 W Pawnee St Wichita KS, 67213
316-267-2205
QUIK CASH
1035 S Broadway St Wichita KS, 67211
316-264-1616
QUIK CASH
3301 E Harry St Ste 109 Wichita KS, 67218
316-652-8901
QUIK CASH
770 N West St Wichita KS, 67203
316-942-2490
QUIK CASH
2127 W 21st St N Wichita KS, 67203
316-831-9283
QUIK CASH
447 N Oliver St Wichita KS, 67208
316-652-9674
Recheck Inc
200 West Douglas Avenue Wichita KS, 67202
316-265-8225
Smart Bankcard & Check Solutions
111 Whittier Street Wichita KS, 67207
316-689-3517
SPEEDY CASH
2201 N Amidon Ave Wichita KS, 67204
316-831-9800
SPEEDY CASH
701 N West St Wichita KS, 67203
316-942-2211
SPEEDY CASH
4850 E Harry St Wichita KS, 67218
316-858-2274
SPEEDY CASH
3133 E Douglas Ave Wichita KS, 67211
316-683-2274
SPEEDY CASH
1050 W Pawnee St Wichita KS, 67213
316-219-5333
SPEEDY CASH
6300 E 21st St N Wichita KS, 67208
316-771-0000
Sure Check Brokerage
3143 Maple Street Wichita KS, 67213
316-942-4750
SWEETBRIAR LOAN COMPANY
2060 W 21st St N Wichita KS, 67203
316-831-0000
Toms Check Cashing
4703 E 13Th St N Wichita KS, 67208
316-684-2855

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