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Cash Advance in Wichita, Kansas

There are times when an unexpected financial emergency comes before your next paycheck. There are other situations when there is no surprise bill, but money is tight and you need extra cash for some “breathing room” until payday. For tough financial times, a cash advance is the perfect way to borrow an amount of money that is smaller than a traditional bank loan. A cash advance, also known as a payday loan, does not look into your credit history, which makes it much easier to obtain a payday loan than a bank loan.

A cash advance is a short-term loan that is meant for borrowing a smaller amount of cash between paychecks. The loan often has a high interest rate in addition to finance charges, but is still a great option for a loan that does not require a good credit rating. The loan’s payment period is usually at least seven days, but it may be as long as 90 days. The typical amount borrowed is $500 or less, but some states allow you to borrow more. Also, the number of cash advances you can take out at once varies from state to state.

For a cash advance in Wichita, Kansas, the application process is the same as other states where this type of loan is available. You must be over 18 years of age and have a personal identification card, such as a driver’s license or a state-issued photo I.D. You must have a checking account and a paycheck stub for proof of employment. If you are not employed, you may use your government benefits stub to apply for the loan. There are payday loan centers available both online and in stores. However, many people prefer the speed of online approvals, and you do not have to wait for a cash advance during a center’s business hours when you apply online.

Some lenders require additional information to apply for a cash advance in Wichita. For example, some payday loan centers require your income to be at least $1,000 a month. If you receive government benefits, the income needs to be at least $800 a month. Other lenders also need proof of residence in Kansas as well as personal references to qualify for a cash advance in Wichita. Also, the amount each lender allows you to borrow varies. While some payday loan centers can lend up to $500, it is possible to receive a cash advance of $1,000.

The minimum term for a cash advance in Wichita is seven days, and the loan period must not exceed 30 days. There is also a $15 finance charge for every $100 borrowed. The 14-day annual percentage rate of the loan is approximately 390%. While this figure sounds incredibly high, triple-digit APR’s are normal for a payday loan.

Applying for a cash advance in Wichita is a great solution to a financial emergency. With a short repayment period, this is a great option to receive cash before your next payday.