- Payday loans in Gardner 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 Olathe, about 7 miles away.
Gardner at a glance
| Gardner | |
|---|---|
| Population (2024 Census estimate) | 25,836 |
| Change since 2020 | +10.3% (growing fast) |
| County | Johnson County |
| Size rank among 367 Kansas places we cover | 17th |
| Share of Kansas’s population | 0.9% |
| Nearest larger city | Olathe (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Johnson County | 6 |
| Other towns within 25 miles | 31 (about 918,164 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Gardner follows Kansas state law. Lenders that serve Gardner, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Gardner
No credit union has its main office in Gardner, but these are based elsewhere in Johnson County (NCUA, June 2026):
- Sm Federal Credit Union in Mission (federal charter — may offer payday alternative loans (PALs))
- Communityamerica Federal Credit Union in Lenexa (federal charter — may offer payday alternative loans (PALs))
- Mainstreet Federal Credit Union in Lenexa (federal charter — may offer payday alternative loans (PALs))
- K.U.M.C. Credit Union in Shawnee (state charter)
- B&V Credit Union in Overland Park (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.
Payday loan rules that apply in Gardner
The main Kansas rules for a payday loan in Gardner: 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 Gardner
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 Johnson County before you borrow
- Call or text 211 for help with rent, utilities and food in Johnson 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 Gardner
The nearest larger city is Olathe, about 7 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 Gardner?
Yes. Payday loans are legal in Gardner 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 Gardner?
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 Gardner?
No credit union is headquartered in Gardner, but Sm Federal Credit Union is based in Mission, also in Johnson 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