- Payday loans in Cheney 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 Wichita, about 24 miles away.
Cheney at a glance
| Cheney | |
|---|---|
| Population (2024 Census estimate) | 2,174 |
| Change since 2020 | -0.3% (holding steady) |
| County | Sedgwick County |
| Size rank among 367 Kansas places we cover | 108th |
| Nearest larger city | Wichita (about 24 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sedgwick County | 9 |
| Other towns within 25 miles | 15 (about 439,140 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Cheney payday law: Kansas rules apply here, and any lender serving Cheney residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near Cheney
No credit union has its main office in Cheney, but these are based elsewhere in Sedgwick County (NCUA, June 2026):
- Sunflower Federal Credit Union in Valley Center (federal charter — may offer payday alternative loans (PALs))
- Wichita Federal Credit Union in Wichita (federal charter — may offer payday alternative loans (PALs))
- Catholic Family Federal Credit Union in Wichita (federal charter — may offer payday alternative loans (PALs))
- Credit Union of America in Wichita (state charter)
- Campus Credit Union in Wichita (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 Cheney
In short, Kansas rules that cover Cheney 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 Cheney
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 Sedgwick County before you borrow
Before a payday loan, Cheney residents can usually find something cheaper:
- Local assistance through 211 covering Sedgwick 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 Cheney
- Garden Plain · 6 mi
- Goddard · 12 mi
- Norwich · 13 mi
- Andale · 14 mi
- Pretty Prairie · 17 mi
- Colwich · 17 mi
The nearest larger city is Wichita, about 24 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 Cheney?
Yes. Payday loans are legal in Cheney 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 Cheney?
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 Cheney?
No credit union is headquartered in Cheney, but Sunflower Federal Credit Union is based in Valley Center, also in Sedgwick 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