Looking for an Unsecured Personal Loan in Kansas?

credit check for unsecured personal loan KansasCan’t get the money you need to cover an unexpected expense? You keep applying but nobody is lending you the money you need and you don’t know why. If this is the case, then you have come to the right place! Loans Now focuses on finding unsecured personal loan options for people just like you — people who are searching hard for help but just can’t seem to find it. Through our Loan Discovery Process, we do the searching for you to find the best solution to your current situation.

And we provide this service for free! We do not charge any fees to perform this service for you. Loans Now is in the business of matching lenders willing to help those in financial need with those people who have a need for financing. With an unsecured personal loan, you will not only have the money you need to pay that unexpected expense but you will also have the piece of mind that only comes with security, knowing that your issue is taken care of and that your family is once again secure. We have the ability to help you when no one else will. Let us find the right option for you!

Unsecured Loans for People with Bad or No Credit

People with bad credit — people who have made some mistakes or have faced financial hardships in the past — tend to suffer longer than those previous issues really require. Some of those situations they shouldn’t really suffer for because they were out of a person’s control. Regardless, they have since lowered your credit score and cause you to struggle with finding financial options for your current situation. Here is How It Works, and these are the ways an unsecured personal loan from Loans Now can help you:

  • Provide you the money to pay those unexpected expenses fast — usually within a single business day
  • Credit scores as low as 450 considered, giving more people an opportunity to find assistance
  • Works with your entire situation, not just your credit score
  • Humans provide the recommendations — you are not at the mercy of an algorithm
  • Can help improve your credit score, increasing your ability to borrow in the future

With each lender you submit an application to, you hurt your credit score even more. If you have sent a request for money to eight separate lenders, then you have had your credit report hit eight times with hard inquiries. This is actually lowering your credit score and further hindering you from receiving the financial help you need. What if there was a program that didn’t negatively affect your credit score up front? What if you could ask a lender for help and not have a hard inquiry placed on your credit until after the options were proposed? Well, there is! You check your credit score for us initially so we can protect your score.

Industries in Kansas

Kansas has come along way since the days L. Frank Baum described in his famous literary work, The Wonderful Wizard of Oz. But in many ways, it has remained the same. Agriculture is still the leading industry running the state’s economy. Raising livestock and growing crops for food and clothing is big business in Kansas. But what happens when that twister comes down and ruins it all? How will you put food on the table and pay your monthly responsibilities? What if you incur medical bills from an injury sustained during the twister? How will you rebuild after such devastation? An unsecured personal loan can be used to cover all of these expenses, and it can cover up to $70,000 worth of repairs.

Medical bills are a big issue in Kansas due to the amount of mining conducted in the state. Removing raw materials from the earth can be a dangerous profession and can lead to a number of injuries, even when all safety precautions are being followed. Converting those raw materials into completed products is another big industry in Kansas; it sits as the #2 sector in the state. Manufacturing can also lead to injuries. When they do, and the medical bills start piling up, turn to Loans Now to help you get over them so you can focus on healing!

Kansas Laws and Regulations for Bad Credit Personal Loanscredit score

As is the case in most states, Kansas has passed legislation governing the consumer financing industry. In the Kansas Statutes Annotated, § 16-201 outlines that the maximum interest rate permitted on a personal loan be no higher than 15% per year on the principal amount. This does not mean the balance shown on your loan statements; this is on the remaining amount of the original amount borrowed. If a loan is issued without a written contract, such as from a friend or family member, then the amount is automatically set for 10%.

In the event that a lending institution does, in fact, charge a financing fee above the legal limit, then the offending institution will have to pay all of the borrower’s court and attorney’s fees if legal action is sought. Not only that but the lender will have to deduct the amount of interest that is in excess of the legal maximum from the principal of the loan. By forcing usurious companies to pay a penalty in this manner, Kansas is making sure that financial institutions are not trying to take advantage of people in desperation as they seek out help for their sudden financing needs.

Loans Now: Core Policies & Procedures

  • Never collect or share sensitive customer information: SSN, DOB, Address.
  • Never collect up-front payment to process a customer’s loan application / or fund a loan. Loans Now will NEVER ask you to send us money in any form.
  • Introduce customers to our Loan Discovery Process. A one-on-one loan service strategy that fits every customer’s unique needs with the right lender for them

Kansas Personal Loan for Bad Credit Lending Regulator

The Office of the State Bank Commissioner of Kansas regulates lending in the State of Kansas, including state-chartered banks and supervised lenders (consumer finance institutions). All complaints or concerns are directed to this department of state government, for which they provide an online form that can be used to communicate the issue.

Office of the State Bank Commissioner of Kansas

700 SW Jackson St
Suite 300
Topeka, KS 66603

Office of the State Bank Commissioner of Kansas

700 SW Jackson St
Suite 300
Topeka, KS 66603

Personal Loans Starting at 4.99%
  • Loan Discovery Process
  • Credit Scores Reviewed to 450
  • 2, 3, 5 & 7 Year Terms
  • Loan Amounts $500 - 70K

No Initial Credit Check!

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