- Payday loans in Lenexa follow Kansas law (Kansas Consumer Credit Code, K.S.A. 16a-2-404).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 2 credit unions are headquartered in Lenexa; ask about small-dollar loans before borrowing.
Lenexa at a glance
| Lenexa | |
|---|---|
| Population (2024 Census estimate) | 59,427 |
| Change since 2020 | +3.3% (growing) |
| County | Johnson County |
| Size rank among 367 Kansas places we cover | 8th |
| Share of Kansas’s population | 2% |
| Nearest larger city | Shawnee (about 4 miles) |
| Credit unions headquartered in town (NCUA) | 2, 2 federal |
| Credit unions headquartered in Johnson County | 6 |
| Other towns within 25 miles | 29 (about 873,134 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Whether you borrow at a storefront in Shawnee or online from Lenexa, the lender must hold a Kansas license from the Kansas Office of the State Bank Commissioner and follow state limits.
Credit unions in Lenexa
These credit unions have their main office in Lenexa, according to NCUA call report data (June 2026):
- Communityamerica Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Mainstreet Federal Credit Union (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.
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Payday loan rules that apply in Lenexa
Key Kansas limits that apply to Lenexa borrowers: 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 Lenexa
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
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Lenexa that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Lenexa
The nearest larger city is Shawnee, about 4 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 Lenexa?
Yes. Payday loans are legal in Lenexa 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 Lenexa?
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Lenexa?
Yes. NCUA data lists 2 credit unions with a main office in Lenexa, including Communityamerica Federal Credit Union and Mainstreet Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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