- Payday loans in Caldwell 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 Derby, about 41 miles away.
Caldwell at a glance
| Caldwell | |
|---|---|
| Population (2024 Census estimate) | 1,000 |
| Change since 2020 | -2.2% (shrinking) |
| County | Sumner County |
| Size rank among 367 Kansas places we cover | 193rd |
| Nearest larger city | Derby (about 41 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sumner County | 1 |
| Other towns within 25 miles | 4 (about 9,468 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Caldwell follows Kansas state law. Lenders that serve Caldwell, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Caldwell
No credit union has its main office in Caldwell, but these are based elsewhere in Sumner County (NCUA, June 2026):
- Panhandle Federal Credit Union in Wellington (federal charter — may offer payday alternative loans (PALs))
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 Caldwell
The main Kansas rules for a payday loan in Caldwell: 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 Caldwell
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). Statewide, the typical APR on a $400 payday loan was 391% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Sumner County before you borrow
- Call or text 211 for help with rent, utilities and food in Sumner 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 Caldwell
- South Haven · 11 mi
- Argonia · 18 mi
- Wellington · 20 mi
- Conway Springs · 25 mi
- Anthony · 25 mi
- Harper · 29 mi
The nearest larger city is Derby, about 41 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 Caldwell?
Yes. Payday loans are legal in Caldwell 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 Caldwell?
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 Caldwell?
No credit union is headquartered in Caldwell, but Panhandle Federal Credit Union is based in Wellington, also in Sumner 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