Payday Loans Wakefield, KS – Compare Licensed Lenders (2026)

$$500

Max Loan Amount

Active Lenders

15 min

Approval Time

$1K

Population

Wakefield, Kansas, is a small town with a population of just 858. Nestled in the heart of the state, Wakefield boasts a diverse economy and an average income of $52,000. With a cost of living that is 10% lower than the national average, residents often enjoy a comfortable lifestyle. However, unexpected expenses can arise at any moment. In such situations, quick access to payday loans can be crucial for managing financial shortfalls, providing residents with the necessary funds to cover urgent bills or emergencies.

About Wakefield

Main Industries

$diverse industries

Avg Income

$$52,000

Cost of Living

$$-10% vs national avg

State Regulations

We're gathering the latest payday loan regulations for your state. In the meantime, please review the terms carefully and check with your state's financial regulator.

CFPB Resources:Learn about payday loans

Where to Find Payday Loans in Wakefield

Currently, Wakefield has no active storefront lenders, which means residents seeking payday loans will need to rely on online-only options. This shift allows for quicker applications and approvals from the comfort of home. While the town may lack physical locations, online lenders can provide fast access to needed funds, making it easier for Wakefield residents to manage their financial needs when emergencies arise.

Compare Lenders in Wakefield

Lender	Loan Range	Typical APR	Best For	Apply

Representative Loan Example in Wakefield

Calculation

Loan Amount: $$500

Term: $14 days

APR: $350%

Fee: $$0

Total Repayment: $$500

Effective APR: $0.0%

⚠️ Important Notes

✓ For Wakefield residents earning $$52,000, this payment is approximately 32% of monthly income
✓ Recommended: Keep monthly debt payments below 35% of income
✓ APR varies by lender and creditworthiness
✓ Always compare multiple offers before accepting

Advantages & Disadvantages in Wakefield

✅ Advantages

✓ Process 100% online for convenience.
✓ Decision on loan applications in as little as 15 minutes.
✓ Available for Wakefield residents needing emergency funds.
✓ No collateral required for approval.
✓ Early repayment options available without penalties.

❌ Disadvantages

✗ Higher APR compared to traditional banks.
✗ Limited number of lenders servicing Wakefield residents.
✗ Credit checks are typically required.
✗ Potential for accumulating debt if not paid back promptly.

💡 Expert Recommendation for Wakefield Residents

Rostislav Sikora, a loan expert, advises Wakefield residents to consider their cost of living when opting for payday loans. Given the area's lower living costs, short-term payday loans can be an effective solution for immediate financial needs. However, be cautious and always compare APRs from different lenders. Ensure that your total loan payment does not exceed 35% of your monthly income to maintain financial stability.

Rostislav Sikora – Loan Comparison Specialist at Credizen

Frequently Asked Questions – Wakefield, KS

How do I get a payday loan in Wakefield, KS?

You can apply online through various lenders who service Wakefield residents.

What's the max I can borrow in Wakefield?

In Wakefield, Kansas, the maximum loan amount is $500.

Can I get approved with bad credit in Wakefield?

Yes, many online lenders consider applicants with bad credit.

Are there storefronts in Wakefield or is it online only?

Currently, there are no storefront lenders in Wakefield; all loans must be obtained online.

How fast can I get money in Wakefield?

Online lenders can often approve loans and deposit funds within one business day.

What is the average interest rate for payday loans in Wakefield, KS?

The APR for payday loans in Wakefield ranges from 350% to 391%.

What type of documentation do I need for a payday loan in Wakefield?

Typically, you'll need proof of income, identification, and an active bank account.

Are payday loans legal in Wakefield, KS?

Yes, payday loans are legal in Kansas, with strict regulations on terms.

What happens if I can’t repay my payday loan on time in Wakefield?

Late payments may incur additional fees, and it's best to discuss options with your lender.

Can I pay off my payday loan early in Wakefield?

Yes, most lenders allow early repayment without penalties.

Nearby cities in Kansas

Compare options in nearby Kansas cities. Rates and approval times can vary by lender.

USA loan hub View Kansas loan options Compare payday lenders Compare lenders side-by-side Payday loan guides

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Responsible Lending Notice: Payday loans are short-term financial products and should only be used for temporary cash needs. They are not a long-term solution for financial difficulties. Borrowers should consider other options before taking out a payday loan.

Regulatory Information: All lenders displayed serve Wakefield, KS and are regulated by state authorities. For complaints or concerns, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.

Affiliate Disclosure: Credizen.net may earn a commission when you apply through our platform. This helps us keep our service free. We only work with licensed, reputable lenders.

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