Policy on Responsible Lending Online Payday Loans Wichita KS?

www.paydaywichita.com is dedicated to safeguarding its consumer's from malicious payday loan lenders who engage in illicit lending techniques. We equip consumers with the knowledge they need in order to make responsible and informed decisions.

Trust and Truth

www.paydaywichita.com's practices and policies have always and will always conform to the regulations which have been set forth by the Fair Lending Laws like the Truth in Lending Act. Prior to a consumer assuming any obligation in order to initiate the Payday Loans Wichita KS lending process they should and will be presented in writing the exact fees, rates, charges and roll over charges in addition to other details about their loan. You can visit our Rates and Fees to find out about the current regulations and laws in your state.

Fair Lending

According to the Dodd-Frank Wall Street Reform Act every lender which includes payday loan lenders need to engage in what it terms as "fair lending" practices. The Consumer Financial Protection Bureau has been tasked by this act to enforce fair lending rules and regulations.

Practices for Fair Debt Collection

We try to work with lenders that follow all the provisions of the stated Fair Debt Collection Practices Act which is enforced currently by the Federal Trade Commission. www.paydaywichita.com is not the actual lender. www.paydaywichita.com does not collect any debts from consumers. Every lender in our network is required to follow the following Statues which are:

Calling consumers on their telephone prior to 8 a.m. or post 9 p.m.
Contacting their consumers via telephone with the malicious intent of harassing, or annoying or even using abusive language is prohibited
Using misrepresentation and deception for debt collection
Threatening with legal recourse even though no legal action is allowed

If a lender is found to be violating any of the above FDCPA statues www.paydaywichita.com will not hesitate to stop doing business with that company and file a report with the Federal Trade Commission.

Current State Regulations

www.paydaywichita.com encourages lenders in its network to follow federal and state regulations. These often include the strict conformity with local laws in regards to their interest rates, maximum loan terms, rollover limits, fees, cool off periods in between loans, and much more.

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Frequently Asked Questions

What is a payday loan or cash advance?
Who can qualify for a cash advance or payday loan?
What amount can I get?
How is the money given?
All Questions

Representative APR 391%:

Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment:

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Calculate APR Rules in Your State Alternatives to Payday Loan For Military Consumers

Important Disclosures. Please Read Carefully.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. This website is not a lender and does not make loan or credit decisions. This website connects interested persons with a lender from its network of approved lenders. This website does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. This website receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, this website’s service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where this website does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This website does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to this website, you are giving lenders in this website’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. This website has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

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State: Alabama

Charges: This should not exceed 17.5% of the amount. Also $10 fee for every loan request is permitted. If the loan period expires 3% extra is charged.

MAX LOAN AMOUNT

$299

State: Alaska

Charges: A lender is only allowed to charge what is known as a nonrefundable originating fee. This fee shouldn’t exceed around $15 for every $100. Also the fee shouldn’t exceed 15% of the borrowed amount. Also $20 additional free for the business’s financial operation can also be charged.

MAX LOAN AMOUNT

$500

State: Arizona

Charges: Shouldn’t exceed the 36% of its annual fees. Repayment of past due fees is also allowed.

MAX LOAN AMOUNT

N/A

State: Arkansas

Charges: Around a 36% annual fee. This will depend on the Federal Reserve Discount Rate and an added 5%. Just one loan is allowed in order to avoid cases where one loan is taken to pay back the other. Also the fees cannot be over $400.

MAX LOAN AMOUNT

N/A

State: California

Charges: A business cannot go beyond a 15% deferred deposit transaction fee of an amount over $45

MAX LOAN AMOUNT

$300

State: Colorado

Charges: The documentation fees is allowed a maximum of $75. $7.50 is the max maintenance fee of every $100 loaned, up to around $30 per month this is including the monthly maintenance fee charged every month. In the case of a renewal the lender can access additional financial charges which shouldn’t exceed a yearly 45% percent.

MAX LOAN AMOUNT

$500

State: Connecticut

Charges: The interest shouldn’t exceed 30.3%. Late fee is also applicable.

MAX LOAN AMOUNT

N/A

State: Delaware

Charges: Cash advances of a total of $1000 is allowed at one time. The fee attached to this loan has no limit.

MAX LOAN AMOUNT

$500

State: District of Columbia

Charges: The law does not always change. However, keep checking back to www.paydaywichita.com to stay posted.

MAX LOAN AMOUNT

Loans which are Prohibited

State: Florida

Charges: A deferred provider or even an affiliate is not allowed to charge fees over 10% of the amount. However, a verification fee is allowed. Loan operation may be subject to a 15% fee. The total fee every year can be around 390%

MAX LOAN AMOUNT

$500

State: Georgia

Charges: The law does change. Please check back to www.paydaywichita.com for up to date info on this.

MAX LOAN AMOUNT

Loans prohibited

State: Hawaii

Charges: Fees shouldn’t be more than 15% of the amount. The lender is allowed 17.65% in charges every two weeks for its financial operation.

MAX LOAN AMOUNT

$600

State: Idaho

Charges: None

MAX LOAN AMOUNT

$1000

State: Illinois

Charges: Lender is not allowed to charge over $15.50 for every $100 with a yearly fee limited to just 99%

MAX LOAN AMOUNT

Either 22.5% or $1000 of a person’s monthly gross income, depending on which is less.

State: Indiana

Charges: The lender can charge 15% finance charge on $250. Loans over $250 but less than $400 have a 13% interest limit on the amount. On amounts ranging between $400 and $500 the financial charges are around 10%.

MAX LOAN AMOUNT

$500 / 20you’re your monthly gross income depending on which is less

State: Iowa

Charges: On the first $100 loan the lender cannot charge over $15 in fees. Then there is a $10 subsequent charge on every $100 increment. 14 day loans have to undergo a fee of up to around 16.67%.

MAX LOAN AMOUNT

$500

State: Kansas

Charges: Lenders can charge 15% on a cash loan. Another 15% can be charged in the way of finance fee. But not over 3% of the amount once it has matured.

MAX LOAN AMOUNT

$500

State:

Charges:

MAX LOAN AMOUNT

State: Kentucky

Charges: The total amount in proceeds received from a customer from all differed deposits cannot be over $500. Lenders are not allowed to charge over $15 as service fee for every $100. The additional finance fee cannot be over 17.65%.

MAX LOAN AMOUNT

$500 charge applied to all payday loans.

State: Louisiana

Charges: $5 is the originating fee. 16.75% or $45 depending on which is less is the annual charge on the loaned cash advance. There is a 36% annual interest limit. 25% is the finance fee which lenders cannot exceed.

MAX LOAN AMOUNT

$350

State: Maine

Charges: For loans under $250 the interest fee is limited to just $15 but up to around max $25 for larger amounts. The max is 30%.

MAX LOAN AMOUNT

N/A

State: Maryland

Charges: No licensed check cashing company is allowed to indirectly or directly charge or even collect fees for a check cashing service on the basis of: 33% each year or just 2.75% depending on which is less.

MAX LOAN AMOUNT

N/A

State: Michigan

Charges: A lender is allowed to charge a service fee for every deferred presentment service. This fee is not a part of the interest and lenders can charge both. The amount shouldn’t exceed 15% of the initial $100, 14% of a third $100 or around 12% on the forth, on the fifth 11%. A database verification fee is also allowed under the section 34(5)

MAX LOAN AMOUNT

$600

State: Minnesota

Charges: For a sum of up to and also including $50 there is a $5.50 charge added. Between $50 and $100 there is a 10% charge plus a $5 admin fee. Of amounts $100 to $250 there is a 7% charge and a $5 fee. Amounts of around $250 to $350 is charged 6% of the loan proceeds with a min admin fee of $5. The overall contract shouldn’t exceed 2.75% after its maturity.

MAX LOAN AMOUNT

$350

State: Mississippi

Charges: Lenders are not allowed to charge indirectly or direct a fee or some other consideration or their act of cashing deposit checks in excess of around 18%. Also 22% additional finance fee may be levied.

MAX LOAN AMOUNT

$400

State: Missouri

Charges: The borrower could be charged an interest fee on an amount which is not paid at the rate which was previously agreed by both parties. A customer is not required to pay an amount of accumulated interest and also fees in excess of 75%.

MAX LOAN AMOUNT

$500

State: Montana

Charges: A lender is not allowed to charge a fee for making a deferred deposit loan which exceeds 36% annually, which is inclusive of its insufficient funds fee.

MAX LOAN AMOUNT

The minimum loan amount is $50 but the loan cannot exceed $300

State: Nebraska

Charges: The lender is allowed to charge an amount of $15 for every $100 and $17.65 per $100 for various services provided by the lender.

MAX LOAN AMOUNT

$500 for every payday loan at any time.

State: Nevada

Charges: Lender is not permitted to make a loan of deferred deposit over 25% of the expected gross of the customer’s monthly salary at the time of taking the loan.

MAX LOAN AMOUNT

Monthly gross income of 25%

State: New Hampshire

Charges: A cash loan can only incur interest, charges or fees which are levied on the cash loans. The interest should not be in excess of 36% a year.

MAX LOAN AMOUNT

$500

State: New Jersey

Charges: The law does change every now and then. Keep checking back to stay up to date.

MAX LOAN AMOUNT

Prohibited Loans

State: New Mexico

Charges: $0.50 is charged as verification fee, the total amount charge is 15.5%. Lenders are not allowed to issue a payday loan if the total principal sum of the loan and its fees, when added with the principle is over 25% of the person’s gross income. Just one fee can be collected unless a customer willfully agrees to the arrangement in writing.

MAX LOAN AMOUNT

A charge of 25% of the gross monthly income which includes fees.

State: New York

Charges: Leders are not allowed to charge over $16 for every $100 on the first principal balance.

MAX LOAN AMOUNT

N/A

State: North Carolina

Charges: A check cashing company is not allowed to indirectly or directly charge and or collect fees for cashing check services on the basis of: 36% per year.

MAX LOAN AMOUNT

N/A

State: North Dakota

Charges: A lender needs to charge a service fee but not over 20% of the total amount paid. An additional 20% can be charged as interest on the amount.

MAX LOAN AMOUNT

$500

State: Ohio

Charges: The interest is calculated according to the USC 1606 guidelines and will not exceed a 28% annual rate which is exclusive of its 1.08% fee.

MAX LOAN AMOUNT

$500

State: Oklahoma

Charges: Lenders can charge an interest fee but it shouldn’t exceed $15 for each $100 which is loaded which is equal or less than $300 and not be over $10 for each $100 for amounts over $300. An additional finance charge of $15 can also be charged for each $100.

MAX LOAN AMOUNT

$500

State: Oregon

Charges: Lenders are not allowed to renew or issue a loan over the rate of 36% annually. This also excludes the registration fee required for new loans.

MAX LOAN AMOUNT

A 30% rate from gross monthly income.

State: Pennsylvania

Charges: Getting a payday cash loan in Pennsylvania can be difficult. Right now laws are geared towards destroying cash advance lenders.

MAX LOAN AMOUNT

N/A

State:

Charges:

MAX LOAN AMOUNT

State: Rhode Island

Charges: Lenders are not permitted to charge a check cashing fee over 15% of the loaned amount. Also additional interest cannot be over 15% of the amount.

MAX LOAN AMOUNT

For all payday loans $500 at any time.

State: South Carolina

Charges: Lenders are allowed to charge more fees in addition to their originating fees. The interest is also limited to 15% of the amount.

MAX LOAN AMOUNT

For all payday loans $500 at any time.

State: South Dakota

Charges: There are no limits on the type and fee amount.

MAX LOAN AMOUNT

$500

State: Tennessee

Charges: Lenders are allowed to charge $15 as interest for every $100 and the finance charge shouldn’t be over $17.65 for every $100.

MAX LOAN AMOUNT

$500 usually for a maximum of 3 payday loans at the same time.

State: Texas

Charges: $10 is the originating fee, $48 is the interest fee for every $100 plus there is $12 finance charges for every $100.

MAX LOAN AMOUNT

N/A

State: Utah

Charges: N/A

MAX LOAN AMOUNT

N/A

State: Vermont

Charges: It shouldn’t be over 18% of the total year fees.

MAX LOAN AMOUNT

$500

State: Virginia

Charges: $5 is the verification fee, $36 is the interest fee for every $100, and an additional $20 finance charges for $100.

MAX LOAN AMOUNT

$500

State: Washington

Charges: Lenders are allowed to charge fees as the total amount over $15 for every $100 of the first $500, subsequently $10 for every $100 for amounts over $500. Plus $15 for services.

MAX LOAN AMOUNT

$700 and It should be under 30% of the borrower’s gross income.

State: West Virginia

Charges: The law does change every now and then. Log back in to get the latest updates.

MAX LOAN AMOUNT

N/A

State: Wisconsin

Charges: There are no fees amount limits.

MAX LOAN AMOUNT

35% or $1500 of gross income every month depending on which is less.

State: Wyoming

Charges: Finance charges should not be over $30 or even 20% of the monthly principal balance depending on which is larger.

MAX LOAN AMOUNT

N/A

For Military Consumers

Payday loans (and certain other financing) offered to servicemembers and their dependents must include certain protections, under Federal law and a Department of Defense rule. For example, for payday loans offered after October 1, 2007, the military annual percentage rate cannot exceed 36%. Most fees and charges, with few exceptions, are included in the rate. Creditors also may not, for example, require use of a check or access to a bank account for the loan, mandatory arbitration, and unreasonable legal notices. Military consumers also must be given certain disclosures about the loan costs and your rights. Credit agreements that violate the protections are void. Creditors that offer payday loans may ask loan applicants to sign a statement about their military affiliation.

Even with these protections, payday loans can be costly, especially if you roll-over the loan. You instead may be able to obtain financial assistance from military aid societies, such as the Army Emergency Relief, Navy and Marine Corps Relief Society, Air Force Aid Society, or Coast Guard Mutual Aid. You may be able to borrow from families or friends, or get an advance on your paycheck from your employer. If you still need credit, loans from a credit union, bank, or a small loan company may offer you lower rates and costs. They may have special offers for military applicants, and may help you start a savings account. A cash advance on your credit card may be possible, but it could be costly. Find out the terms for any credit before you sign. You may request free legal advice about a credit application from a service legal assistance office, or financial counseling from a consumer credit counselor, including about deferring your payments.

Military consumers can contact the Department of Defense, toll-free 24 hours a day, 7 days a week, at 1-800-342-9647, or at www.militaryonesource.com. Information on the Department of Defense rule, alternatives to payday loans, financial planning, and other guidance is available.

This article was previously available as Payday Loans Equal Very Costly Cash: Consumers Urged to Consider the Alternatives.

The Privacy Policy given here under is meant to replace any previously published policy on www.paydaywichita.com. Conflicts that exist between any other privacy policy and the current one will mainly mean that the present Privacy Policy or the one mentioned here under is dominant.

Agreement & Acknowledgement

www.paydaywichita.com is intended to be used only by people who are over the legal age of 18 and people who are legal US citizens. We urge you to take a few moments to review these terms stated in this present Privacy Policy. By agreeing to use www.paydaywichita.com's services you are automatically agreeing to the policy stated here. If you aren’t in agreement with the terms of this policy or currently are under the legal age of eighteen (18) or not a US citizen then please refrain from using our services.

Change notification to www.paydaywichita.com Privacy practices

We strongly reserve our right to update our Privacy Policy in order to reflect these changes we have to make to our existing information practices every now and then. This is why if changes are made to www.paydaywichita.com information practices this privacy policy will be revised. We advise you to always review and read our privacy policy every time you visit this website or decide to use our service.

Personally Identifiable Information

At times we will combine and collect PII or Personally Identifiable Information in addition to non-personally identifiable information via a number of sources in addition to the ones we have discussed below. PII stands for data which is collected with the intention of identifying, locating our contacting a person which may include but is not limited to his or her SSN (social security number), your first and last name, zip code, address, driver's license, phone number, work number, date of birth, time of birth, job title, employer's address, employer's name, ABA/ routing number, IP address, pay dates, compensation, name of your bank, direct deposit, loan amount needed, net income each month and computer specifications. Non-PII data is not used to identify, locate, or contact an individual which may include but is not limited to IP address, gender, zip code and age etc.

About Us

The privacy policy comes to you from www.paydaywichita.com. Our website is www.paydaywichita.com, we operate, interact and do business with our customers through our website, we also maintain our customer database via this website. The database stores information from individual consumers and prospects alike. We make use of a number of third party vendors, numerous media advertisements and third party affiliates to promote our business, so that people know where to find us if they are interested in completing an application online or what to supplement with our database by buying the third party database of various consumers who have opted to complete applications on websites except for our site and have affirmed their request to get information in relations to our services and products. In addition our third party services are advertised via referrals and via PPC advertisements which is geared towards redirecting you to our website. www.paydaywichita.com assumes that you agree to our using the PII and also the Non-PII that we collect for the given purposes.
Information is collected and retained about you so that we can communicate in order to process requests in regards to our services and products. We will also inform you of new financial services that we think you may be interested in via our newsletter. All examples contained in the Privacy Policy are merely illustrative and are not exclusive.

OPT-IN / OPT-OUT

Our affiliates and or also our third parties hold the right to promote services and products via telephone, and email to all consumers who have willingly requested to be contacted via our site's application opt-in process also through our Opt-in process by our affiliate sites or third party vendor. Our list members will get telephone contacts or emails until they want to discontinue receiving such information.
We offer the option whereby listed members can also be removed from our contact list whenever they need, no questions asked. In order to get yourself off our information database in order to not to receive communications in the future, you can do any one of the things stated below

You can either email us to support@www.paydaywichita.com
Visit www.paydaywichita.com and hit the 'unsubscribe' button

However, you need to keep in mind that certain activities on our website is limited to people whose information we do not have. Your email address and your phone numbers that we get via an opt-out request is added to our Do-Not contact list within ten days of receipt.
If we do not hear from you we assume your consent in the way of receiving communications from our company, affiliates and third party vendors.
If any one of our members choose to be removed from the company's contact list, this request will need to be forwarded to the specific vendor or an affiliate who has provided the List Member's information to us so that the member's contact information can be put into the Do Not Contact category. However, you need to remember that if your information was previously purchased via a third party affiliate or vendor we may not be the only company who has purchased your information. Also any affiliate or third party could have purchased this information from yet another third party and so you may still continue to get contacts from those companies. www.paydaywichita.com does not bear any responsibility for stopping all unsolicited emails from beyond sources under our control.
www.paydaywichita.com is a CAN-SPAM complaint company.

MINORS

www.paydaywichita.com will not knowing collect any info from kids that are under the legal age of 18. We do not collect information from kids regardless of what happens or what the purpose may be which also includes for promotional and marketing purposes. If you have become aware that a kid of which you are a parent or guardian of has made available private information via our point of contact then we urge you to contact us immediately so that we can delete this information from our records.

Collection and Usage of General Information

www.paydaywichita.com will collect information via our site from both existing and prospective customers at many different points on our website. We will use contact information to then send information in regards to our services, and about our company. Users have the choice to opt out of getting this information in their mail in the future. Please check out our Opt-Out/Opt-in section of this Privacy Policy. The financial and contact information that we collect is used to verify your address, name etc. Not every bit of information which is asked for on our site is required but we do need the following data: last and first name, social security number, zip code, length, city, address, duration of stay at present address, your email address, if you have your own home or have rented one, work telephone number, state ID number, ABA/ routing number, job title bank phone number, etc.
Information in regards to your computer's hardware and the software that runs on it is also collected by www.paydaywichita.com and could be shared in aggregate with other third parties whose services we use for mostly traffic analysis. Computer related information will include your browser type, IP address, referring website address, access times, domain names etc. This information will help to improve the information and quality of service provided by www.paydaywichita.com. We do not use a third party database to update or correct the information you submit regardless of the reason.

Cookies

Cookies are small pieces of data which are stored on a person's hard drive which contains information about them. However, the usage of a cookie is not in any way lined to personally identifiable information when on our website. If you reject the cookie you are still able to view our website but without being able to access to certain features of our website. Our cookies are also used to track as well as target people with things they are interested in which enhances their experience on our website. The cookies which are served i.e. persistent and session based are tied into the Personally Identifiable Information that we provide you with.
A few of our business partners also use cookies on our website for instance advertisers. However, we are not able to control these cookies.

Links

www.paydaywichita.com contains a few links to a different websites mostly consisting of third parties. However, we urge you to be aware because www.paydaywichita.com is not responsible for other websites and their privacy practices. We ask our users to be aware when leaving our website to always read the privacy statements of every website which collects information from them. This present privacy statement applies just to the information which is collected by www.paydaywichita.com even in instances where other sites may be in frame with ours. We may also choose to co-brand a few services with third parties as well as affiliates. It will become clear from the point of collection exactly who is collecting this information and what the privacy statement governs. Let's take for instance without having to limit forgoing, we will co-brand with credit reporting agencies, automotive companies and insurance brokers.

Security

A number of security technologies are employed which help to protect the personal information of visitors to our website from unauthorized use, disclosure and access. An example of this is that we will store personal information that you provide on our computer systems in places which has limited access often located in very controlled facilities. When highly confidential information is transferred over the internet we ensure to protect it with the use of Secure Socket Layer encryption protocol.

Disclosure

www.paydaywichita.com cannot fully ensure that all private communications and also the personally identifiable info we have will not be disclosed in other ways which is not described in our Privacy Agreement. For instance we may be forced to go ahead and disclose information to other third parties or the government under certain situations. Third parties could also unlawfully work to intercept our private communications.
However, suffice to say that if you chose to opt-out from any future contact with www.paydaywichita.com via the opt-out mechanism given in every email sent to you on behalf of third party services provides and www.paydaywichita.com, your email address will be provided to the third party service provider so that this service provider can put your name and your contact information on their own DNC (do not contact) list.
www.paydaywichita.com reserves the right to buy other businesses or purchase assets as we develop or even sell our existing business assets. However, customer information tends to be the most important asset involved during these transactions. This is why in the event that we i.e. www.paydaywichita.com sell our assets it will include customer information, visitor information and other pieces of information collected via our website. For further information on this please see our "Notification of Changes" section of the privacy policy.
www.paydaywichita.com reserves the right to be able to disclose all or some member information in situations termed as "special cases" i.e. when we have reasons to believe that the disclosure of this information is imperative to contact, identify and to bring legal action to anybody who is causing interference and injury. www.paydaywichita.com also fully reserves the right to be able to disclose visitor / member information in good faith when the law needs it.
By law we are required to disclose personally identifiable information or when we believe that this disclose is needed in order to protect our rights or to comply with judicial proceedings, legal process or court order.

Information Sharing with Affiliates

When you put in a request for a quote or information you are in fact granting www.paydaywichita.com or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your www.paydaywichita.com account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.

Information Sharing with our Co-Branded Partners

A few of the services on www.paydaywichita.com have been co-branded with our contracted partners. Our co-branded offerings can be identified directly via quote request form for the service or product you choose prior to actually submitting the request. In instances where the co-branded service or product provided has been identified the personally identifiable information you enter in will be given directly to the provider via their website and does not come to www.paydaywichita.com. The service or product provider will then control the data once they have it, which can be used for tracking and identification by sharing it with www.paydaywichita.com.
Personal information can be used in order to provide services which you have requested this includes customized advertising and content. This is in addition to any fee which of which you have been notified by your provider as standard messaging rates which apply in order to confirm and also all SMS correspondence later on. You have the option to either Opt out to remove your SMS info by simply sending "STOP", "QUIT", or "END" to the text message you get. Once your SMS info has been removed from our database we will not be able to be used for secondary purposes or disclosed to our third parties.

Registry Compliance shouldn't be contacted

By submitting your personal contact or your financial information you are granting written permission for us, our affiliated sites and our business partners to get in contact with you via mail, telephone, or even email. Then by registering at www.paydaywichita.com you are willfully consenting to get phone calls from us, our business partners and affiliated sites which are not just limited to lenders who will contact you in regards to a loan.

Previous Customers

Information pertaining out our former customers are treated in the same way as our current customers.

Security And Confidentiality

We mainly restrict all types of access to nonpublic information about individuals to all but a few employees that need to have this information to provide services and products. We also maintain electronic, procedural and physical safeguards which are compliant with federal standards in order to guard against your nonpublic information from all unauthorized access and use.
The work of maintaining accurate information tends to be a responsibility we need to share. We work to maintain the information's integrity that is provided to us and as notified we will update all our records. Please contact us via the address and the phone number below when you want to change or update your information.

Service and Site Updates

www.paydaywichita.com sends service announcement and site updates. Our members will not be able to just unsubscribe from our service announcements which will contain important information in regards to the service. We will also communicate with users in order to provide those requested services pertaining to issues via phone when needed.

Update / Correct Information

If you need to verify the data which we have gotten from you previously, like to make corrections or even disable the usage of personal info, then please contact us or log into the account area on www.paydaywichita.com

Disclaimer Payday Loans Wichita Kansas

www.paydaywichita.com is not a lender and does not make loans or credit decisions. www.paydaywichita.com provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. www.paydaywichita.com does not endorse any particular service provider, lender, or loan product. You are under no obligation to use www.paydaywichita.com’s service to initiate contact with, apply for credit from, or accept any loan product from any service provider or lender. This service is not available in all states.

There is no fee for you to submit a loan request at www.paydaywichita.com. www.paydaywichita.com is not a lender and does not provide lending services. Based on the information you submit, www.paydaywichita.com will search its vast network of authorized lenders in order to match you with a lender that may be able to serve your needs.

If your loan request is accepted by a lender, you will be redirected to an e-signature page on the lender’s website. All fees and rate information charged by the lender should be disclosed to you at that time. You should carefully and thoroughly review the fees and rate information provided by the lender before agreeing to the terms of the loan or signing any documents. You are under no obligation to accept the terms.

If you decide the loan terms provided by the lender are acceptable and wish to proceed, you may e-signature the document evidencing your agreement with those terms. Upon signing, you will enter into a legally binding contract with the lender and will be responsible for all costs and risks associated with the contract. Your contractual obligations are to the lender, and not to www.paydaywichita.com. Please remember that the loan fees and interest rates you agree to are determined solely by the lender and not www.paydaywichita.com.

Cash advances (including payday loans) are intended as short-term financial relief and are not long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You are encouraged to consult the Rates and Fees page of this website to learn more about the risks involved with cash advances. You also should review local laws and regulations governing cash advances and explore possible alternatives to a short term loan.

www.paydaywichita.com is not available in all states. www.paydaywichita.com specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, Ohio or in other states where prohibited by law. Prohibited states may change at any time and without notice to you. As between you and www.paydaywichita.com, all such interaction is deemed to have taken place in the state of California regardless of where you access the website.

www.paydaywichita.com does not guarantee that your loan request will be accepted by an authorized lender or other service provider. If you are offered a loan, www.paydaywichita.com does not guarantee that the fees and rates will be acceptable to you or that your loan will be funded. All decisions relating to your loan are the lenders’ decisions, not www.paydaywichita.com’s.

In most cases, lenders and other service providers will not require credit scores from the three major credit reporting bureaus (Experian, Equifax, and TransUnion). Most lenders and other service providers will perform credit checks through alternative providers such as Teletrack, DP Bureau or others. These types of non-traditional credit checks usually will not affect your credit score. By submitting your loan request, you consent to the use of alternative credit checks by www.paydaywichita.com, its network of lenders and their service providers.

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