Wondering... “Where can I find a personal loan if I have bad credit, near me in Kansas?"


Likely, right here! 202 locations to see. First National Bank - Garden City, KS, Farmers State Bank - McPherson, KS, Commerce Bank - Emporia, KS, Labette Bank - Columbus, KS, The Citizens State Bank - McPherson, KS, Jayhawk Federal Credit Union - Lawrence, KS, and many more are located near you. Locations, contact information, hours and more here in Kansas. Detailed bad credit personal loan information below.

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Personal Loans in KS
$1,000 to $40,000 - Credit Score 650+
 
Payday Loans in KS
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Kansas. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.
 

Kansas Personal Loan for Bad Credit Lending Regulator (KS)

Regulating Authority
Office of the State Bank Commissioner of Kansas
700 SW Jackson Street
Suite 300
Topeka, KS 66603
(785) 296-2266
https://www.osbckansas.org/

Agency for Handling Complaints
Office of the State Bank Commissioner
Attn: Complaints
700 SW Jackson, Suite 300
Topeka , KS 66603
(785) 296-2266
https://www.osbckansas.org/consumers/complaints.html

 

Personal Loan for Bad Credit Lenders (KS) by City

Flag of the State of Kansas While you’re sitting at work, your phone rings. It’s your child’s school calling to let you know that your child got hurt. A trip to the ER and a hefty bill later, your child is okay. Your checkbook, on the other hand, is seriously injured. We Give Loans, Inc. can help. Millions of consumers, since 2006, have been approved by the right personal loan source or sources to get through unforeseen financial hardships.

We Give Loans offers a consumer-to-lender pairing process designed to find you the right personal loan source or sources for your specific set of circumstances. Whether you live in JoCo, Metro KC, Coffeyville or Dodge City, our no cost, no obligation service has unique access to more than 1,120 personal loan sources. Regardless of your credit history- perfect, average, bad, or even no credit. Apply online now with our secure, short form and let us help you find the right personal loan for your specific financial circumstance. In just minutes, you can be on your way to the financial peace of mind you need.

Kansas Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, DebtConsolidation.com - Get Out of Debt - Consolidation Loans - Debt Settlement - Credit Counseling is a leader in financial counseling services in Kansas.

Kansas Personal Loan for Bad Credit Laws and Regulations in (KS)


(last updated 11/17/2019)
Article 2. - INTEREST AND CHARGES

16-207. Contract rate; penalties for prepayment of certain loans, recording fees; contracting for interest in excess of limitation, penalties, attorney fees; loans excluded. (a) Subject to the following provision, the parties to any bond, bill, promissory note or other instrument of writing for the payment or forbearance of money may stipulate therein for interest receivable upon the amount of such bond, bill, note or other instrument of writing, at a rate not to exceed 15% per annum unless otherwise specifically authorized by law.
(c) The lender may collect from the borrower: (1) The actual fees paid a public official or agency of the state, or federal government, for filing, recording or releasing any instrument relating to a loan subject to the provisions of this section; and (2) reasonable expenses incurred by the lender in connection with the making, closing, disbursing, extending, readjusting or renewing of loans subject to the provisions of this section. (d) Any person so contracting for a greater rate of interest than that authorized by this section shall forfeit all interest so contracted for in excess of the amount authorized under this section; and in addition thereto shall forfeit a sum of money, to be deducted from the amount due for principal and lawful interest, equal to the amount of interest contracted for in excess of the amount authorized by this section and such amounts may be set up as a defense or counterclaim in any action to enforce the collection of such obligation and the borrower shall also recover a reasonable attorney fee. (e) The interest rates prescribed in subsection (a) shall not apply to a business or agricultural loan. For the purpose of this section unless a loan is made primarily for personal, family or household purposes, the loan shall be considered a business or agricultural loan. For the purpose of this subsection, a business or agricultural loan shall include credit sales and notes secured by contracts for deed to real estate. (f) Loans made by a qualified plan, as defined in section 401 of the internal revenue code, to an individual participant in such plan or to a member of the family of such individual participant, are not subject to the interest rates prescribed in subsection (a). In the case of a loan described in paragraphs (1) or (2), the applicable provisions of the uniform consumer credit code shall govern the loan in lieu of subsections (b), (c) and (d). History: L. 1969, ch. 112, § 36; L. 1973, ch. 85, § 132; L. 1975, ch. 125, § 1; L. 1978, ch. 72, § 1; L. 1980, ch. 75, § 1; L. 1980, ch. 76, § 2; L. 1981, ch. 88, § 1; L. 1982, ch. 89, § 1; L. 1983, ch. 74, § 1; L. 1999, ch. 107, § 5; L. 2013, ch. 103, § 1; July 1. Section was also amended by L. 2013, ch. 29, § 1, but that version was repealed by L. 2013, ch. 129, § 2. This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Kansas, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Office of the State Bank Commissioner of Kansas.