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What Kansas law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | Allowed | Fee cap | Up to $500 | 7 days to 30 days | Licensed under the Kansas UCCC | KSA 16a-2-404, 16a-2-405 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
The rules in full
Payday loans
- Rate cap
- Summarized in the statute; read the full rule.
- Fees
- Summarized in the statute; read the full rule.
- License
- Licensed under the Kansas UCCC (supervised lender / payday loan licensing), overseen by the Kansas OSBC.
Full detail for every loan type: Kansas lending laws.
Help in Kansas
Money snapshot for Kansas
Other options in Kansas
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Kansas: allowed under Kansas law; see its limits and license rules.
- Installment loans in Kansas: allowed under Kansas law; see its limits and license rules.
- Personal loans in Kansas: allowed under Kansas law; see its limits and license rules.
- Title loans in Kansas: allowed under Kansas law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Kansas.
Payday loans in nearby states
Sources
- klrd.gov/publications/briefing-book-2021/payday-loan-regulation-and-update-on-small-dollar-lending-in-kansas. Retrieved September 23, 2026.
- ksrevisor.gov. KSA 16a-2-404, 16a-2-405. Retrieved September 23, 2026.
- osbckansas.gov. Kansas Office of the State Bank Commissioner (OSBC). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Kansas. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Kansas. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Kansas? Contact the Kansas Office of the State Bank Commissioner (OSBC) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.