- Payday loans in Lyons 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 Hutchinson, about 25 miles away.
Lyons at a glance
| Lyons | |
|---|---|
| Population (2024 Census estimate) | 3,499 |
| Change since 2020 | -2.7% (shrinking) |
| County | Rice County |
| Size rank among 367 Kansas places we cover | 80th |
| Nearest larger city | Hutchinson (about 25 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 10 (about 9,388 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Lyons payday law: Kansas rules apply here, and any lender serving Lyons residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near Lyons
NCUA data (June 2026) shows no credit union headquartered in Lyons or Rice 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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Lyons
In short, Kansas rules that cover Lyons 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 Lyons
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 Rice County before you borrow
Before a payday loan, Lyons residents can usually find something cheaper:
- Local assistance through 211 covering Rice 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 Lyons
- Chase · 8 mi
- Sterling · 9 mi
- Little River · 11 mi
- Nickerson · 15 mi
- The Highlands · 19 mi
- Holyrood · 20 mi
The nearest larger city is Hutchinson, about 25 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 Lyons?
Yes. Payday loans are legal in Lyons 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 Lyons?
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 Lyons?
NCUA data shows no credit union headquartered in Lyons 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