- Payday loans in Effingham 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 Leavenworth, about 29 miles away.
Effingham at a glance
| Effingham | |
|---|---|
| Population (2024 Census estimate) | 487 |
| Change since 2020 | -1% (shrinking) |
| County | Atchison County |
| Size rank among 367 Kansas places we cover | 275th |
| Nearest larger city | Leavenworth (about 29 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Atchison County | 1 |
| Other towns within 25 miles | 15 (about 26,793 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Effingham follows Kansas state law. Lenders that serve Effingham, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Effingham
No credit union has its main office in Effingham, but these are based elsewhere in Atchison County (NCUA, June 2026):
- Eagle Federal Credit Union in Atchison (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 Effingham
The main Kansas rules for a payday loan in Effingham: 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 Effingham
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 Atchison County before you borrow
- Call or text 211 for help with rent, utilities and food in Atchison 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 Effingham
- Nortonville · 8 mi
- Horton · 12 mi
- Valley Falls · 13 mi
- Atchison · 14 mi
- Winchester · 15 mi
- Holton · 18 mi
The nearest larger city is Leavenworth, about 29 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 Effingham?
Yes. Payday loans are legal in Effingham 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 Effingham?
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 Effingham?
No credit union is headquartered in Effingham, but Eagle Federal Credit Union is based in Atchison, also in Atchison 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