What a loan can cost in Kansas
Examples at an illustrative rate, never above Kansas's cap for the amount. They are not quotes.
Representative example
- Amount borrowed
- $500
- Annual percentage rate (APR)
- 29.99%
- Repayment
- 12 monthly payments
- Payment
- $48.74
- Finance charge
- $84.88
- Total of payments
- $584.88
Example: a $500 installment loan at 29.99% APR repaid in 12 monthly payments of $48.74 costs $584.88 in total, including a finance charge of $84.88. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.
Representative example
- Amount borrowed
- $1,000
- Annual percentage rate (APR)
- 29.99%
- Repayment
- 12 monthly payments
- Payment
- $97.48
- Finance charge
- $169.76
- Total of payments
- $1,169.76
Example: a $1,000 installment loan at 29.99% APR repaid in 12 monthly payments of $97.48 costs $1,169.76 in total, including a finance charge of $169.76. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.
Representative example
- Amount borrowed
- $3,000
- Annual percentage rate (APR)
- 25.3%
- Repayment
- 12 monthly payments
- Payment
- $285.57
- Finance charge
- $426.84
- Total of payments
- $3,426.84
Example: a $3,000 installment loan at 25.3% APR repaid in 12 monthly payments of $285.57 costs $3,426.84 in total, including a finance charge of $426.84. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.
Resources in Kansas
Free and low-cost help in Kansas, each with its official link and the date we checked it.
Lending regulator and complaints
Kansas Office of the State Bank Commissioner (OSBC), Consumer and Mortgage Lending Division licenses lenders in Kansas.
Check a lender's license File a complaint
osbckansas.gov Checked September 23, 2026
211
Help with rent, utilities, food and other urgent bills.
unitedwayplains.org Checked September 23, 2026
Legal aid
Free civil legal help if your income is low; income limits vary.
kansaslegalservices.org Checked September 23, 2026
Nonprofit credit counseling
Help with a budget or a debt management plan.
nfcc.org Checked September 23, 2026
Benefits portal
Check whether you qualify for food, cash or other benefits in Kansas.
cssp.kees.ks.gov Checked September 23, 2026
Federal complaints
Complaints about any lender, to the Consumer Financial Protection Bureau.
Submit a complaint to the CFPB
consumerfinance.gov Checked September 23, 2026 Available in Spanish
More Kansas resources appear here as we check each source.
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). 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.
- 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.
- Credit-builder loans: a small loan held in savings while you pay it off, which can help build a payment history.
- Secured credit cards: a card backed by a deposit you make, which can help build credit when you pay on time.
The rules lenders follow in Kansas
Each rule links to its source. How we research state rules.
Allowed in Kansas: installment and personal loans, title loans and payday loans.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Installment and personal loans[1][2][3][4] | Allowed | 36% APR (top tier) | Not set by statute | Not set by statute | Supervised Lender license | KSA ch. 16a, esp. KSA 16a-2-401 |
| Title loans[2][5] | AllowedNo rate limit in state law | No rate limit | Up to $2,500 | Not set by statute | Licensed under the Kansas UCCC, overseen by the Kansas OSBC | KSA ch. 16a, art. 2 |
| Payday loans[6][7][5] | 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. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
Rate, fee and license rules in Kansas
Installment and personal loans
- Rate cap
- K.S.A. 16a-2-401: for closed-end consumer loans, a supervised lender may charge an actuarial periodic finance charge of 36% per year on the part of the unpaid balance up to $860 and 21% per year on the part above $860 (dollar amounts subject to UCCC indexing). For open-end credit not secured by a mortgage, any rate agreed by the parties is allowed, subject to the prepaid finance charge limit.
- Fees
- Prepaid finance charge on open-end loans capped at the lesser of 2% of the amount financed or $300 (K.S.A. 16a-2-401(4)).
- License
- Supervised Lender license under the Kansas UCCC, KSA ch. 16a, issued by the Kansas Office of the State Bank Commissioner (OSBC).
Title loans
- Rate cap
- Kansas title loans, governed under KSA ch. 16a art. 2, are commonly structured as open-end credit, for which Kansas imposes no statutory rate cap for licensed lenders (rate set by agreement).
- License
- Licensed under the Kansas UCCC (supervised lender / title loan licensing), overseen by the Kansas OSBC.
Payday loans
- Rate cap
- Payday loans in Kansas are governed by KSA 16a-2-404 and 16a-2-405 under the UCCC. The finance charge is capped at 15% of the amount borrowed ($15 per $100 borrowed).
- Fees
- Finance charge capped at 15% of the amount advanced ($15 per $100 borrowed).
- License
- Licensed under the Kansas UCCC (supervised lender / payday loan licensing), overseen by the Kansas OSBC.
Rent and jobs in Kansas
Typical rent and the jobless rate, to weigh before a loan payment.
Guides for Kansas borrowers
Check your options in Kansas
Kansas questions
Does Kansas law allow payday loans?
Kansas law allows payday loans. State law caps the fee rather than the APR. Source: KSA 16a-2-404, 16a-2-405.
What is the most a lender can charge in Kansas?
By loan type in Kansas: Installment and personal loans: 36% APR (top tier). Title loans: No rate limit. Payday loans: Fee cap.
Where can I file a complaint about a lender in Kansas?
You can file a complaint with Kansas Office of the State Bank Commissioner (OSBC), Consumer and Mortgage Lending Division, and you can also submit one to the Consumer Financial Protection Bureau. Both links are under Resources in Kansas on this page.
How do I check a lender's license in Kansas?
Kansas Office of the State Bank Commissioner (OSBC), Consumer and Mortgage Lending Division licenses lenders in Kansas. Use the license link under Resources in Kansas on this page to check a lender before you share your information.
Is there free help paying bills in Kansas?
Yes. Resources in Kansas on this page lists free help, including 211, legal aid, nonprofit credit counseling and benefits portal.
Nearby states
Sources
- ksrevisor.gov/statutes/ksa_ch16a.html. Retrieved September 23, 2026.
- ksrevisor.gov. KSA ch. 16a, esp. KSA 16a-2-401. Retrieved September 23, 2026.
- osbckansas.gov/legal/uccc_2026.pdf. Retrieved September 23, 2026.
- osbckansas.gov. Kansas Office of the State Bank Commissioner (OSBC), Consumer and Mortgage Lending Division. Retrieved September 23, 2026.
- osbckansas.gov. Kansas Office of the State Bank Commissioner (OSBC). Retrieved September 23, 2026.
- 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.
- 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), Consumer and Mortgage Lending Division or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.