The Best Payday Loans in Nashville, KS

Our research team has identified the top 3 payday loan lenders in Nashvillebased on experience, customer reviews, approval rates, and transparent lending practices.

Top Lenders

4.1/5

Avg Rating

Avg Experience

277

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Top Payday Loan Lenders in Nashville

Carefully selected based on experience, customer satisfaction, and transparent lending practices

Payday Loan Store

★★★★☆

4.2/5

Payday Loan Store is a well-established regional lender serving southeast Kansas communities including Nashville. With over a decade of operation, they've built a strong reputation for transparent lending practices and quick approval processes. Their Fort Scott location serves as a regional hub for multiple small towns in the area, offering flexible payday loan options with clear terms and professional service. Customers appreciate their straightforward approach and commitment to local community service.

Experience:11 years

Reviews:89 customer reviews

(620) 431-2274

101 S National Ave, Fort Scott, KS 66701

Loan Types:

Payday LoansCash AdvanceInstallment Loans

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Kansas Cash Advance

★★★★☆

4.1/5

Kansas Cash Advance operates multiple locations throughout southeast Kansas and specifically serves rural communities like Nashville. They specialize in providing accessible short-term financial solutions with a focus on customer education and responsible lending. Their experienced staff understands the unique financial needs of rural Kansas residents and offers personalized service with quick funding options. The company maintains strong compliance with Kansas lending regulations while providing flexible repayment terms.

Experience:9 years

Reviews:76 customer reviews

(620) 365-8000

1701 S National Ave, Fort Scott, KS 66701

Loan Types:

Payday LoansCash AdvanceShort-term Loans

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EZ Money Check Cashing

★★★★☆

4/5

EZ Money Check Cashing has been serving southeast Kansas for over a decade, providing reliable payday loan services to residents of Nashville and surrounding areas. Their Pittsburg location serves as a regional center for multiple small communities, offering competitive rates and flexible loan amounts. The company is known for its professional staff, clear communication about loan terms, and commitment to helping customers through temporary financial challenges. They maintain strong community relationships and offer multiple financial services beyond payday loans.

Experience:13 years

Reviews:112 customer reviews

(620) 232-2274

2820 S Range Ave, Pittsburg, KS 66762

Loan Types:

Payday LoansCheck CashingTitle Loans

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Frequently Asked Questions

Common questions about payday loans in Nashville, Kansas

What are the eligibility requirements for a payday loan in Nashville, KS?

To get a payday loan in Nashville, KS, you must be at least 18 years old, have a valid Kansas ID, provide proof of steady income (like recent pay stubs), and have an active checking account. Most lenders in Kansas require a minimum monthly income, typically around $800-$1,000. You'll also need to provide your Social Security number and a valid phone number for verification purposes.

What are the maximum fees and interest rates for payday loans in Nashville, Kansas?

Under Kansas state law, payday lenders can charge up to 15% of the loan amount in fees. For a $500 loan, this means a maximum fee of $75. The APR on these short-term loans typically ranges from 300% to 400% in Kansas. These regulations apply statewide, including in Nashville, and lenders must clearly disclose all fees before you sign any agreement.

How long do I have to repay a payday loan in Nashville, KS?

Kansas law requires that payday loans have a minimum term of 7 days and a maximum of 30 days. Most lenders in Nashville offer standard 14-30 day repayment periods. You'll need to repay the full loan amount plus fees by your next payday. Some Kansas lenders may offer extended payment plans if you're unable to repay on time, but you must request this before your due date.

Are there any local Nashville regulations I should know about payday loans?

While Kansas state law governs most payday lending regulations, Nashville residents should know that Kansas limits loan amounts to $500 maximum. Lenders cannot make consecutive loans to the same borrower, and there's a mandatory 24-hour cooling-off period between loans. Nashville doesn't have additional local ordinances beyond state law, but all lenders must be licensed with the Kansas Office of the State Bank Commissioner.

What documentation do I need to apply for a payday loan in Nashville, Kansas?

When applying for a payday loan in Nashville, you'll typically need your Kansas driver's license or state ID, recent pay stubs or proof of income (like Social Security or disability statements), your Social Security number, a blank check from your active checking account, and proof of your current address. Some lenders may also ask for recent bank statements to verify your account activity and income deposits.

Financial Insights

Your Guide to Quick Payday Loans in Nashville, KS: Fast Cash When You Need It

Living in Nashville, Kansas, means enjoying the quiet charm of Rice County, but unexpected expenses can pop up anywhere. Whether it's a sudden car repair on a country road or a medical bill before your next paycheck, a financial gap can feel stressful. For many local residents, quick payday loans can offer a short-term solution to bridge that gap. This guide will help you understand how they work specifically in our community and how to use them wisely.

Understanding Quick Payday Loans in Kansas

A quick payday loan is a small, short-term cash advance designed to be repaid with your next paycheck. In Kansas, state law regulates these loans to protect consumers. For a loan of $500 or less, the maximum finance charge is 15% of the loan amount. There is also a $15 verification fee permitted. This means for a $100 loan, you would typically pay a maximum of $15 in finance charges plus the verification fee. It's crucial to understand these costs upfront. Lenders in Kansas are also prohibited from rolling over a loan more than once, which helps prevent cycles of debt. Before visiting a storefront in Nashville or applying online, always ask for a clear disclosure of all fees and the annual percentage rate (APR), which can be high due to the short term.

Local Tips for Nashville, KS Residents

When considering a quick payday loan in our area, planning is key. First, explore all local alternatives. Could a payment plan with the doctor in Lyons or the mechanic in Sterling help? Perhaps a small loan from a family member is an option. If you decide a payday loan is necessary, borrow only the absolute minimum you need to cover the emergency. This reduces the fees you'll pay back. Since Nashville is a smaller community, consider the convenience of a local storefront versus an online lender. A local agent can answer your questions face-to-face, but ensure they are licensed with the Kansas Office of the State Bank Commissioner. Most importantly, have a solid plan for repayment on your next payday. Using these loans for non-emergencies or without a repayment plan can lead to financial difficulty.

Quick payday loans are a financial tool, not a long-term solution. For Nashville neighbors facing a true cash shortfall before payday, they can provide immediate relief when used responsibly. Always prioritize understanding the terms, borrowing minimally, and repaying promptly to avoid additional charges. By being an informed borrower, you can navigate a tight financial spot and get back to enjoying the peace and quiet of life in Rice County.

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