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Payday loans by state

Payday Loans in Bucklin, KS: Rules, Costs and Local Options

Payday loans are legal in Bucklin, Kansas, a city of 696 people about 26 miles from Dodge. Before you borrow, compare the cost with credit unions in Ford County.

Key takeaways
  • Payday loans in Bucklin 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 Dodge, about 26 miles away.

Bucklin at a glance

Bucklin
Population (2024 Census estimate)696
Change since 2020-3.6% (shrinking)
CountyFord County
Size rank among 367 Kansas places we cover236th
Nearest larger cityDodge (about 26 miles)
Credit unions headquartered in town (NCUA)None
Credit unions headquartered in Ford County1
Other towns within 25 miles3 (about 2,211 residents)
Typical payday APR statewide (CRL 2023)391%

Payday lending in Bucklin follows Kansas state law. Lenders that serve Bucklin, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.

Credit unions near Bucklin

No credit union has its main office in Bucklin, but these are based elsewhere in Ford County (NCUA, June 2026):

  • Credit Union of Dodge City in Dodge City (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.

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Payday loan rules that apply in Bucklin

The main Kansas rules for a payday loan in Bucklin: 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 Bucklin

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 Ford County before you borrow

  • Call or text 211 for help with rent, utilities and food in Ford County.
  • Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
  • Check your bank app for a small-dollar loan or early pay (bank options).
  • Try a cash advance app if you have direct deposit (apps compared).

Towns near Bucklin

The nearest larger city is Dodge, about 26 miles away. See all 367 Kansas cities.

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Frequently asked questions

Are payday loans legal in Bucklin?

Yes. Payday loans are legal in Bucklin 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 Bucklin?

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 Bucklin?

No credit union is headquartered in Bucklin, but Credit Union of Dodge City is based in Dodge City, also in Ford County.

Sources

  1. U.S. Census Bureau — City and town population totals, Vintage 2024
  2. U.S. Census Bureau — 2024 Gazetteer files (place locations)
  3. NCUA — Credit union call report data, June 2026 (FOICU)
  4. K.S.A. 16a-2-404
  5. Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
  6. CDFI Fund — NCUA payday alternative loans summary
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