- Payday loans in Oxford 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 Derby, about 20 miles away.
Oxford at a glance
| Oxford | |
|---|---|
| Population (2024 Census estimate) | 1,036 |
| Change since 2020 | -0.5% (holding steady) |
| County | Sumner County |
| Size rank among 367 Kansas places we cover | 187th |
| Nearest larger city | Derby (about 20 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Sumner County | 1 |
| Other towns within 25 miles | 14 (about 87,847 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Oxford follows Kansas state law. Lenders that serve Oxford, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions near Oxford
No credit union has its main office in Oxford, but these are based elsewhere in Sumner County (NCUA, June 2026):
- Panhandle Federal Credit Union in Wellington (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 Oxford
The main Kansas rules for a payday loan in Oxford: 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 Oxford
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 Sumner County before you borrow
- Call or text 211 for help with rent, utilities and food in Sumner 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 Oxford
The nearest larger city is Derby, about 20 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 Oxford?
Yes. Payday loans are legal in Oxford 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 Oxford?
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 Oxford?
No credit union is headquartered in Oxford, but Panhandle Federal Credit Union is based in Wellington, also in Sumner 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