A personal loan is a form of credit that can help you make a large purchase or consolidate debts with a high interest rate. Compared to credit cards, personal loans usually have lower interest rates, so they can be used to consolidate multiple credit card debts into one monthly payment at a lower cost.
Are Personal Loans Legal in Hays, Kansas?
APR | 5.99% – 24.99% |
---|---|
Law Status | legal |
MIN Loan Amount | $1000 |
MAX Loan Amount | $35000 |
MIN. Loan Term | 90 days |
MAX. Loan Term | 60 months |
MIN APR | 4.99% |
Collateral or guarantor | None, unsecured |
Credit score requirements | Available for Bad Credit |
How to get a Personal Loan in Hays Online?
- Fill out the application and click “submit”
- You’ll get a decision within minutes.
- In the case of a positive decision, the lender will contact you.
- Within 24 hours the cash will be transferred to your account.
What are Hays Personal Loan benefits?
- Alternative to payday loan. If you need money urgently, using a personal loan instead of a payday loan can save you a lot of money in interest charges. The maximum interest rate on a personal loan is typically 36 percent, while the average interest rate on a payday loan is 391 percent.
- Help borrowers build credit. In order to get a personal loan, you must make regular monthly payments toward the outstanding balance. Lenders in Hays usually report your payment history to the major credit bureaus. You can improve your credit score if you consistently make on-time payments.
- Be Used for Almost Anything. Personal loans are a popular financing option because they are so versatile that you can use them to cover any expense.
- Eliminate the Need for Collateral. Most personal loans do not require the borrower to provide any property as collateral. This means you won’t have to risk losing a valuable asset if you default on the loan.
Hays, Personal Loan Rates and Terms
Depending on your needs and circumstances, personal loans in Kansas may differ. The average personal loan amount in Kansas is $18,093, while the average personal loan interest rate is 9.92. Before applying for a personal loan, be sure to do your research to find the best lender for your needs.
Hays Personal Loan Questions Answered
- Are personal loans different from credit cards?
Personal loans in Hays are a great alternative to credit cards. If you think you will need the money for more than 30 days, the rates are often much lower. Otherwise, they are generally very similar – both are unsecured debt, and the amount you will be approved for depends on your creditworthiness.
- Who gets personal loans?
Almost anyone can get a personal loan. Before you begin the personal loan application process, gather all the documents you need. This allows you to go through each step of the process efficiently and get your funds as quickly as possible. Rates and loan amounts are mostly determined by your credit history and credit score.
- Why would I want a personal loan?
The most common uses are refinancing existing debt at a lower rate and making a purchase when you don’t have available cash, but you can use a personal loan for just about anything.
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Top Personal Loan Companies Near Me in Hays:
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Advance America
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2522 Vine St Unit 2
(785) 625-6045
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2522 Vine St Unit 2
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Astra Bank
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3310 Vine St Ste C
(785) 621-2444
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1100 Fort St
(785) 628-2400
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3310 Vine St Ste C
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Bank of Hays
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1000 W 27th St
(785) 621-2471
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1000 W 27th St
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Check Into Cash
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1004 E 41st St
(785) 628-0744
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1004 E 41st St
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Citizens Bank
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309 W 22nd St
(785) 625-7046
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309 W 22nd St
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Commerce Bank
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132 E 22nd St
(785) 625-6542
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2200 Vine St
(785) 625-6542
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600 Park St
(785) 625-1718
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718 Main St Ste Main
(785) 625-6542
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132 E 8th St
(785) 625-6542
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132 E 22nd St
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Commerce Bank ATM
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2818 Plaza Ave
(785) 625-6542
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2818 Plaza Ave
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Emprise Bank
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1011 W 27th St
(785) 625-2402
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1011 W 27th St
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Farm Credit Mid-America
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2905 Vine St
(785) 625-2110
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2905 Vine St
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Farmers Credit Union
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2825 Plaza Ave
(785) 625-2427
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2825 Plaza Ave
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First Assured Mortgage
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1011 W 27th St Ste F6
(785) 621-4447
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1007 Cody Ave Ste A
(785) 628-2644
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1011 W 27th St Ste F6
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First Kansas Bank
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1200 E 27th St
(785) 625-3413
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1200 E 27th St
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First National Bank
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107 W 10th St
(785) 621-2936
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1010 E 27th St
(785) 625-8888
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2918 Vine St Ste 170
(785) 628-1800
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1100 Fort St
(785) 628-2400
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107 W 10th St
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Flatlander Pawn & Gun
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2707 Vine St Ste 18
(785) 623-4000
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2707 Vine St Ste 18
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Golden Belt Bank
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1101 E 27th St
(785) 625-7345
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1101 E 27th St
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Golden Plains Credit Union
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2720 Broadway Ave
(785) 628-1007
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2720 Broadway Ave
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Hays North Branch
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4720 Roth Ave
(785) 628-8006
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4720 Roth Ave
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Paramount Residential Mortgage Group - PRMG Inc.
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205 E 7th St Ste 301
(785) 650-4727
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205 E 7th St Ste 301
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Sunflower Bank
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4720 Roth Ave
(785) 623-6066
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4720 Roth Ave