- Payday loans in Council Grove 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 Manhattan, about 37 miles away.
Council Grove at a glance
| Council Grove | |
|---|---|
| Population (2024 Census estimate) | 2,101 |
| Change since 2020 | -1.4% (shrinking) |
| County | Morris County |
| Size rank among 367 Kansas places we cover | 114th |
| Nearest larger city | Manhattan (about 37 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 8 (about 29,745 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Council Grove payday law: Kansas rules apply here, and any lender serving Council Grove residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near Council Grove
NCUA data (June 2026) shows no credit union headquartered in Council Grove or Morris 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 Council Grove
In short, Kansas rules that cover Council Grove 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 Council Grove
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 Morris County before you borrow
Before a payday loan, Council Grove residents can usually find something cheaper:
- Local assistance through 211 covering Morris 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 Council Grove
- Alta Vista · 14 mi
- White · 16 mi
- Americus · 17 mi
- Herington · 17 mi
- Strong · 19 mi
- Cottonwood Falls · 21 mi
The nearest larger city is Manhattan, about 37 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 Council Grove?
Yes. Payday loans are legal in Council Grove 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 Council Grove?
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 Council Grove?
NCUA data shows no credit union headquartered in Council Grove 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