- Payday loans in Coldwater 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 51 miles away.
Coldwater at a glance
| Coldwater | |
|---|---|
| Population (2024 Census estimate) | 687 |
| Change since 2020 | +0.7% (holding steady) |
| County | Comanche County |
| Size rank among 367 Kansas places we cover | 240th |
| Nearest larger city | Dodge (about 51 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 2 (about 1,226 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Coldwater follows Kansas state law. Lenders that serve Coldwater, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Coldwater
NCUA data (June 2026) shows no credit union headquartered in Coldwater or Comanche County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Coldwater
The main Kansas rules for a payday loan in Coldwater: 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 Coldwater
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 Comanche County before you borrow
- Call or text 211 for help with rent, utilities and food in Comanche 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 Coldwater
The nearest larger city is Dodge, about 51 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 Coldwater?
Yes. Payday loans are legal in Coldwater 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 Coldwater?
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 Coldwater?
NCUA data shows no credit union headquartered in Coldwater or its county. Use the NCUA credit union locator to find branches and online credit unions.
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