What Kansas law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Payday loans[1][2][3] | AllowedHigh-cost loan | Fee cap | Up to $500 | 7 days to 30 days | Licensed under the Kansas UCCC, overseen by the Kansas OSBC | 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
Rent and jobs in Kansas
Typical rent and the jobless rate, to weigh before a loan payment.
Other options in Kansas
Cheaper options to try first
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
- Nonprofit credit counseling through the National Foundation for Credit Counseling.
- A payment plan from the company you owe, if you ask before you miss a payment.
- 211 for help with rent, utilities and food: call 211 or visit 211.org.
More cheaper options in Kansas.
Other loan types allowed in Kansas
- Personal loans in Kansas
- Installment loans in Kansas
- Emergency loans in Kansas
- Title loans in Kansas No rate limit in state law
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. 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.