Fair to Bad Credit Loans in KS

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Last updated October 14th 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Kansas Applicants
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Kansas Usury and Regulations

Summary of Kansas Usury Law(s) / Quote: "Legal: 10 percent Contract: 15 percent unless otherwise by law / Judgment: 4.5 percent / Corporate: No specific rate"

(WeFindLenders.com endeavors to include the most up to date legal data for Kansas, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Kansas, and/or contact the Kansas State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Kansas Usury Law Information: State of Kansas Legal Statutes / Chapter 16, Article 2: - Interest, fees, and charges

Legal Maximum Interest Rates: Quote: "The max rate of interest is 10 percent, if no other rate signed and agreed. The max rate at which parties can contract, which is higher, is 15 percent per year, unless otherwise specifically authorized to be higher by law"

Usury Penalties: Quote: "The penalty for usury or an unlawful interest rate is to forfeit all interest and have the amount of interest contracted for in excess of the legal amount deducted from the principal and lawful interest due. A defendant will also have to pay the borrower’s reasonable attorney fees"

Judgment Interest Rates:
Quote: "Kansas law states that the interest rate on judgments will be 4 percent above the federal discount rate (the charge on loans to banks by the Federal Reserve Bank) as of the July 1st preceding the judgment. The Kansas Secretary of State publishes the judgment rate on its website. For July 1, 2014 to June 30, 2015 the rate was 4.75 percent, as it had been for the past four years since July 1, 2010"

Legal Exceptions: Quote: "Several different categories of loans aren’t limited by the contracted legal max interest rate of 15 percent, specifically:

  • business and agricultural loans
  • retirement plans that are considered “qualified plans” by the Internal Revenue Code Section 401(a)
  • note secured by a real estate mortgage or a contract for deed to real estate, although keep in mind that first mortgage loans for personal, family, or household purposes are subject to the Uniform Consumer Credit Code"

Kansas Lenders By City

Wichita KS / Overland Park KS / Kansas City KS / Topeka KS / Olathe KS / Lawrence KS / Shawnee KS / Manhattan KS

Complaints to:

State Bank Commission of Kansas / Complaint Process

Office of the State Bank Commissioner / Write to: Attn : Attn: Complaints, 700 SW Jackson, Suite 300, Topeka, Kansas 66603 / Fax - 785-296-6037 / E-Mail: complaints@osbckansas.org

Kansas Lender Service Areas Map

Kansas Bad Credit Lenders Map - Initial Static Image

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contact us for listing removal or amendment.


Topeka Police Credit Union
320 S Kansas Ave #100 Topeka
KS 66603 - www.toppdcu.com
785.368.9436

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Kansas Air Guard Credit Union
5920 SE Coyote Dr, Topeka
KS 66619 - www.ksagcu.com
785.861.4093

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Wichita Federal Credit Union
9835 E 21st St N, Wichita
KS 67206 - 316.941.0600
www.wichitafcu.com

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Meritrust Credit Union
2050 N Tyler Rd, Wichita
KS 67212 - 316.683.1199
www.meritrustcu.org

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Quantum Credit Union
6300 W 21st St, Wichita
KS 67205 - www.theq.org
316.263.5756

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Mazuma Credit Union Overland Park
7260 W 135th St, Overland Park
KS 66223 - www.mazuma.org
913.574.5000

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Mid American Credit Union
9201 W 87th St, Overland Park
KS 66212 - www.midamerican.coop
913.362.5200

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Greater KC Public Safety CU
7721 W 123rd St, Overland Park
KS 66213 - publicsafetycu.org
800.338.8567

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Mainstreet Credit Union
9100 W 74th St, Shawnee Mission
KS 66204 - www.mainstreetcu.org
913.599.1010

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Reliance Credit Union
540 Minnesota Ave Kansas City
KS 66101 - www.reliancecu.org
913.573.9196

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Area Credit Union
1401 Fairfax Trafficway #100
Kansas City, KS 66115 - areacu.com
913.371.1345

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KC Fairfax Federal Credit Union
104 Sunshine Road, Kansas City
KS 66115 - www.kcffcu.com
913.647.9490

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Kansas City P & G Employee CU
1900 Kansas Ave, Kansas City
KS 66105 - 913.573.0306
www.kcpgcreditunion.com

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Bad Credit Loan Form for Kansas

Fast Loan Pre-App Method
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Signature Loan Example In Kansas

Elias needs a thousand dollar loan to pay for a trip he wants to take back east. His grandfather just passed away and he would like to attend the funeral and also spend a little time with his relatives which he has not seen for some time.

He needs the money to pay for the flight and other expenses that he anticipates.

He is hoping that he will be able to stay with some cousins while he is there for the funeral.

If he can save money this way, then he will not need the full thousand.

He will be able to repay much of the loan and only end up owing for the flight and some other small expenses. He has applied for the full $1000 just to be sure that he has enough to pay for hotels if he needs to stay in one.

Elias does not have any savings that he could use. His credit score is actually in relatively good shape and he does not have any debts at this time.

He makes enough money to carry the loan for the full year he wants to take to repay the loan. He has asked for a one year term.

A $1000 loan with a 1 year term and 5.67% interest rate for Elias would cost him the following per month:

• Loan Amount (principal) = $1000
• Interest Rate = 5.67%
• Term Length =1 year
• Monthly Payment = $85.91
• Total Paid Back = $1030.98
• Total Interest = $30.98

This loan for Elias should not have any difficulty being approved. It is a small loan and it will be repaid in less than a year.

Although Elias does not have any savings he does have a good credit score and he works full time.

Fortunately for Elias, this loan was processed quickly and he was able to attend his grandfather’s funeral.

He also stayed a few extra days with a cousin he has not seen in ten years. They spent a lot of time catching up and talking about their families and of course their grandfather.

It was also good news for Elias from a financial perspective. The only expense Elias had was the cost of the flight and a few meals.

He is very frugal and careful with his money. It looks like he will be able to repay almost half the loan immediately.

This will shorten his term significantly and also reduce the total amount of interest that he will pay on the loan, although it is not very much in the first place.

Elias also received a big surprise. His grandfather left all of the cousins a small amount of money from his estate. He should receive this inheritance in a few months.

He plans to use some of it to repay the remaining loan balance and then put the rest into a savings account.

Although he will not collect much interest in the savings account he wants to have something set aside for any emergencies that may come up in the future.

He does not like to borrow money and knows that he should have an emergency fund set aside. This will give him the chance to get one started.

If you live in the State of Kansas and you're struggling to get a loan approval with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in Kansas

Last 5 debt service loans approved in the State of Kansas. Source: WFL Lender Pool. Updated Weekly. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$6000 $90000 $40000 $7500 $12000

15.72% 7.41% 11.42% 6.72% 15.01%

Debt Consolidation Providers In KS

Kansas Debt Consolidation Loan Providers - Initial Static Image

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Lenders
contact us for listing removal or amendment.

A American Debt Consolidation
Topeka KS 66605
785.266.4929

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Debt Consolidation
341 N West Street, Wichita
KS 67203 - 316.942.2610

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Debt Hero Wichita
220 W Douglas Ave, Wichita
KS 67202 - kscccs.org
913.416.4988

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Debt Consolidation
Lawrence, KS 66044
785.843.1810

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Uaw-Cio Federal Credit Union
3254 Brinkerhoff Rd
Kansas City, KS 66115
www.uawmokancu.com
913.342.0293

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KUMC Credit Union
3901 Rainbow Blvd, Kansas City
KS 66103 - www.kumccu.org
913.588.5375

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Azura Credit Union
1129 S Kansas Ave, Topeka
KS 66612 - www.azuracu.com
785.233.5556

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Evista credit union
501 NE Lake St, Topeka
KS 66616 - www.envistacu.com
785.228.0149

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Kansas Blue Cross
(Blue Shield Credit Union)
1010 SW Tyler St, Topeka
KS 66612 - ksbcbscu.org
785.291.8774

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Meritrust Credit Union
343 E Chestnut St, Junction City
KS 66441 - www.meritrustcu.org
785.579.5700

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Navy Federal Credit Union
227 W 18th St, Junction City
KS 66441 - www.navyfederal.org
888.842.6328

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Credit Union of Dodge City
1200 W Frontview St, Dodge City
KS 67801 - www.cudodge.com
620.227.7181

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KS Debt Consolidation Form

Kansas Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Consolidation Loans In Kansas

From Wichita to Topeka we see applications for loans from people with bad credit and good credit. The outcomes vary of course depending on their credit scores.

When you use the application form above you are accessing the WFL lender pool and there are hundreds of lenders who seriously consider applicants with low credit scores. Most of these lenders approve loans based on monthly income and not JUST based on your credit score. There are other factors such as your recent repayment history that they take into account.

Consolidation Loan Example in Kansas

Peter wants to make a few repairs to his home, put new brakes and tires on his car and consolidate a small amount of credit card debt.

He has two credit cards, each approved with a limit of $1000 and they are both at their limit of $1000 at the moment.

He has the money to pay them on the due date, however that would mean he has no money left for car repairs and house repairs that he wants to make.

He could just do the car repairs and charge it to his credit cards once he repays them, but then that would mean the house repairs would need to be delayed and Peter is not sure if he will have the money for the next statement due date.

He would prefer to take out a debt consolidation loan now and just get everything done now and then begin repaying the loan on a monthly basis.

Peter’s car needs new brakes and a new set of tires. The tires are almost bald and his mechanic has told him that he has to change them.

They could deflate at any time and a high speed flat could cause a major accident. His muffler is beginning to make a lot of noise so it is just a matter of time.

The real problem as far as Peter is concerned is the repair work he needs to do to his home. He has a leak around two of the windows and it is beginning to cause damage to the walls and the flooring.

If he fixes it now, he can minimize the damage otherwise he is going to have to rip out all of the flooring and replace it completely.

He feels that a debt consolidation loan of $9000 with a 2 year term will do nicely.

A $9000 loan with a 2 year term and 5.77% interest rate for Peter would cost him the following per month:

• Loan Amount (principal) = $9000
• Interest Rate = 5.77%
• Term Length =2 year
• Monthly Payment = $397.95
• Total Paid Back = $9550.88
• Total Interest = $550.88

Peter can afford the monthly payment of $397 a month and he should really spend this money.

If he does not, he is risking a much higher bill for perhaps a wrecked car and significant damage to the wall and floors of his home from water damage.

If he can be approved for the loan in the next 24 hours he can get the work done knowing that he has the money to pay for the repairs.

He has a good credit score along with his wife who also works. She would be asked to also sign the loan agreement, making them both liable to repay the loan.

If for some reason Peter does not meet his commitment to repay the loan, the lender could also come after his wife for payments. Since this is a personal loan, there is nothing else they could come after e.g. his car or home.

You cannot leave potential major repair items too long without being repaired. They can cause even larger more expensive problems if not looked after.

If you live in the State of Kansas and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender regardless of your credit rating.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Credit Counseling Services In KS

Kansas Credit Counseling Providers - Initial Static Image

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Counselors
contact us for listing amendment.

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Wichita Credit Repair
1933 W Maple St Wichita
KS 67213 - 316.202.1004

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Capstone Credit Repair
1828 Walnut St, Kansas City
MO 64108 - 816.366.5126

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Housing & Credit Counseling
2518 Ridge Ct #208 Lawrence
KS 66046 - www.hcci-ks.org
785.749.4224

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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