- Payday loans are legal in Kansas under the Kansas Consumer Credit Code, K.S.A. 16a-2-404.
- The typical APR on a $400 payday loan in Kansas was 391% (CRL, June 2023, from state regulator data).
- Borrowing $300 at the maximum fee costs $45 (15% fee).
Payday loan rules in Kansas
| Rule | Kansas |
|---|---|
| Maximum loan | $500 |
| Maximum fee | 15% of the amount advanced |
| Loan term | 7 to 30 days |
| Limits | Statewide database; limits on back-to-back loans |
Rules checked 2026-10-04. Laws change, so confirm current limits with the Kansas Office of the State Bank Commissioner.
What a payday loan costs in Kansas
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Kansas was 391%, based on data from the state regulator (June 2023). Under the state’s fee limits, borrowing $300 costs $45 (15% fee). Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
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How to check a lender in Kansas
- Make sure the lender is licensed by the Kansas Office of the State Bank Commissioner. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say Kansas law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in Kansas
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Kansas that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Kansas cities
Local guides for 367 Kansas cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Wichita
- Payday loans in Overland Park
- Payday loans in Kansas
- Payday loans in Olathe
- Payday loans in Topeka
- Payday loans in Lawrence
- Payday loans in Shawnee
- Payday loans in Lenexa
- Payday loans in Manhattan
- Payday loans in Salina
- Payday loans in Hutchinson
- Payday loans in Leavenworth
- Payday loans in Leawood
- Payday loans in Garden
- Payday loans in Dodge
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Kansas?
Yes. Payday lending is legal in Kansas under the Kansas Consumer Credit Code, K.S.A. 16a-2-404 and is regulated by the Kansas Office of the State Bank Commissioner.
What is the typical payday loan APR in Kansas?
The Center for Responsible Lending reported a typical APR of 391% on a $400 payday loan in Kansas, using state regulator data (June 2023).
Where can I complain about a payday lender in Kansas?
Contact the Kansas Office of the State Bank Commissioner and file a complaint with the Consumer Financial Protection Bureau.