Kansas Rates & Terms
The maximum loan amount for Kansas residents is $3,000.
Payday Loans
Fees and Charges
The loan fee will be $15 per $100 borrowed. A fee of $15 may be charged if an ACH payment is unsuccessful.
Loan Lengths
Typically your loan will be due on the next payday that is 7 or more days away but no more than 30.
Governing Law for Kansas
The loan agreement is governed by applicable state and federal laws and regulations.
Loans to Military Members and Their Dependents
Federal law prohibits lenders from making loans to active-duty military personnel and their dependents which carry an APR above 36%.
Line of Credit
Fees and Charges
The finance charge for a line of credit loan is calculated based upon the sum of the amount of the actual daily balance during the billing cycle, divided by the number of days in the billing cycle. We will assess interest for each periodic billing cycle on your account by applying a daily periodic rate of 0.986301 to the average daily balance of your account for that billing cycle. This corresponds to an Annual Percentage Rate (APR) of 360.00%.
A minimum payment of 2.00% of the outstanding principal plus any past due amount, applicable interest, and fees will be due at the end of each billing cycle. A late fee of up to $10 may be charged on past due amounts. There is no penalty for early payoff.
Loan Lengths
The term of the loan is open-ended. As the loan is repaid a corresponding amount of credit will be made available. Line of credit payments will typically be scheduled around your paydays; either bi-weekly, bi-monthly, or monthly.
Governing Law for Kansas
The loan agreement is governed by applicable state and federal laws and regulations.
Loans to Military Members and Their Dependents
Federal law prohibits lenders from making loans to active-duty military personnel and their dependents which carry an APR above 36%.
NPAKS, LLC dba NetPayAdvance.com is a supervised lender licensed by the State Banking Commission of Kansas.