- Payday loans in Americus follow Kansas law (Kansas Consumer Credit Code, K.S.A. 16a-2-404).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- The nearest larger city is Topeka, about 48 miles away.
Americus at a glance
| Americus | |
|---|---|
| Population (2024 Census estimate) | 779 |
| Change since 2020 | +0.3% (holding steady) |
| County | Lyon County |
| Size rank among 367 Kansas places we cover | 224th |
| Nearest larger city | Topeka (about 48 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Lyon County | 2 |
| Other towns within 25 miles | 7 (about 29,444 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Americus payday law: Kansas rules apply here, and any lender serving Americus residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near Americus
No credit union has its main office in Americus, but these are based elsewhere in Lyon County (NCUA, June 2026):
- Emporia State Federal Credit Union in Emporia (federal charter — may offer payday alternative loans (PALs))
- Credit Union of Emporia in Emporia (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Americus
In short, Kansas rules that cover Americus include: maximum loan: $500; maximum fee: 15% of the amount advanced; loan term: 7 to 30 days. See the full Kansas payday loan rules.
What a $300 loan costs in Americus
The Center for Responsible Lending put the typical APR on a $400 payday loan in Kansas at 391% (June 2023). For $300 at the state maximum, expect $45 (15% fee). Check any offer with our payday loan calculator.
Other help in Lyon County before you borrow
Before a payday loan, Americus residents can usually find something cheaper:
- Local assistance through 211 covering Lyon County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Americus
- Emporia · 8 mi
- Council Grove · 17 mi
- Strong · 17 mi
- Olpe · 17 mi
- Cottonwood Falls · 18 mi
- Hartford · 21 mi
The nearest larger city is Topeka, about 48 miles away. See all 367 Kansas cities.
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 Americus?
Yes. Payday loans are legal in Americus under Kansas state law, and lenders must be licensed by the Kansas Office of the State Bank Commissioner.
How much does a payday loan cost in Americus?
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Where is the nearest credit union to Americus?
No credit union is headquartered in Americus, but Emporia State Federal Credit Union is based in Emporia, also in Lyon County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- K.S.A. 16a-2-404
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary