Online Loans in Kansas
Dealing with an unexpected emergency expense when you don’t have the money to handle it can be tricky. But, if you find yourself in this situation, an online loan in Kansas may be able to help! With a CreditFresh Line of Credit by CBW Bank, Member FDIC, you may be able to qualify for an online loan between $500 and $3,500. While online loans in Kansas may come with unexpected fees and terms, the terms of a CreditFresh Line of Credit are transparent and straightforward.
If you’re looking to submit a request for Kansas online loans through CreditFresh, you’ll be happy to know that the process is fast and easy. If approved, you’ll be able to access funds when you need them, as long as you have available credit. Simply request a draw on your personal Line of Credit from your available credit and the funds will be in your account as soon as the next business day!
Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.
Online Loan Summary
Loan Amount: $500 to $3,500
Loan Type: Line of Credit
Lender: CBW Bank
Minimum Payment: Billing Cycle Charge + Required Principal Payment
Funding Time: 1 Business Day3
Benefits of Choosing CreditFresh Online Loans in Kansas
Access Credit When you Need it
- You’ll get the financial flexibility you need to handle emergency expenses.
- Have access to your available credit when you need it by requesting a draw online.
- Funds can be in your bank account as soon as the next business day.
Excellent Customer Service
- Our dedicated Customer Service team is here to help!
- You can reach us 7 days a week for any questions relating to our services and/or products offered through the CreditFresh website.
- We’re here to help you access the funds you need when an emergency strikes.
Transparent, Easy-to-Understand Product
- Straightforward repayment terms without hidden fees
- A simple Billing Cycle Charge structure.
- Have access to a secure online platform to review information regarding your account.
CreditFresh Online Loans in Kansas – The Details
If you’ve run into an emergency and you don’t have the funds at your disposal to take care of the cost, an online loan in the form of a line of credit could provide you with the safety net to help you through it! A situation where you need short term online loans in an emergency might come up if you have to make an unplanned trip to the hospital, if your car breaks down and you need to deal with it right away, or if you need to make an unexpected but essential home repair.
If you’re looking to get a loan online in Kansas, click here to submit a request or call us at 1-800-766-2007 for more information.
$500 to $3,500.
Making a Draw
You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed. If you request a draw, funds will typically be deposited into your bank account by the next business day3.
Repayment of Your Online Loan in Kansas
If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.
You will be issued a Periodic Statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your Periodic Statement will show your Minimum Payment and your Payment Due Date.
Your Minimum Payment will be made up of two components:
- Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your Periodic Statement (see details below); and
- A required principal payment which helps ensure you are always paying down your Outstanding Principal Balance.
You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties.
The Cost of a CreditFresh Online Loan in Kansas
For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your Periodic Statement.
Billing Cycle Charge Table:
If the “Average Daily Principal Balance” appearing on you Periodic Statement is:
If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:
If you are paid monthly, your Billing Cycle Charge will be:
|$0.01 - $9.99||$5.00||$10.00|
|$10.00 - $249.99||$15.00||$30.00|
|$250.00 - $499.99||$30.00||$60.00|
|$500.00 - $749.99||$40.00||$80.00|
|$750.00 - $999.99||$55.00||$110.00|
|$1,000.00 - $1,249.99||$70.00||$140.00|
|$1,250.00 - $1,499.99||$85.00||$170.00|
|$1,500.00 - $1,749.99||$95.00||$190.00|
|$1,750.00 - $1,999.99||$105.00||$210.00|
|$2,000.00 - $2,249.99||$115.00||$230.00|
|$2,250.00 - $2,499.99||$120.00||$240.00|
|$2,500.00 - $2,749.99||$135.00||$270.00|
|$2,750.00 - $2,999.99||$145.00||$290.00|
|$3,000.00 - $3,249.99||$160.00||$320.00|
|$3,250.00 - $3,500.00||$175.00||$350.00|
Frequently Asked Questions
What are the minimum requirements to qualify for an Online Loan in Kansas offered through CreditFresh?
In order to request an Online Loan through CreditFresh, you must:
- Be of legal age to contract in Kansas
- Be a US citizen or a permanent resident
- Be a resident of Kansas
- Have an active bank account
- Have a regular, consistent source of income
- Have a valid contact number and an active email address
Please note that currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the US armed forces and their dependents.
Will I need a bank account to be approved for this online loan in Kansas?
Yes, you’ll need to have an active bank account if you’re looking to be approved for this online loan in Kansas.
Will I need to make an appointment to submit a request for a Line of Credit through CreditFresh?
You will not need an appointment to submit a request. To start this process, simply click here. Submitting a request is simple and may take only a few minutes to complete1.
For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.
Are online loans offered through CreditFresh in other states?
Yes, online loans are currently offered through CreditFresh in Alabama, Delaware, Florida, Illinois, Indiana, Kentucky, Michigan, Missouri, Nebraska, Ohio, South Carolina, Texas, Utah, and Washington in addition to Kansas.
How is a line of credit different than an installment loan?
A central difference between the two is that a line of credit is a revolving form of credit. This means that if you’re approved, you’ll be able to borrow funds from your available credit, either all at once or in smaller amounts as needed. After you’ve paid down your balance, you can continue to borrow money when you need it from your available credit. Emergency loans online can be a useful option when you’re facing an unexpected expense and don’t have the savings to deal with it.
We’re here to help!
It can be tough to handle an unexpected financial situation, and if you want to borrow money online by requesting a loan, you’ll need to consider your options carefully. If you’re looking for more information on the process of taking out unsecured loans online through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information about the CreditFresh Line of Credit by visiting our general FAQ page.