- Payday loans in Salina follow Kansas law (Kansas Consumer Credit Code, K.S.A. 16a-2-404).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 3 credit unions are headquartered in Salina; ask about small-dollar loans before borrowing.
Salina at a glance
| Salina | |
|---|---|
| Population (2024 Census estimate) | 46,109 |
| Change since 2020 | -1.6% (shrinking) |
| County | Saline County |
| Size rank among 367 Kansas places we cover | 10th |
| Share of Kansas’s population | 1.6% |
| Nearest larger city | Manhattan (about 60 miles) |
| Credit unions headquartered in town (NCUA) | 3 |
| Credit unions headquartered in Saline County | 3 |
| Other towns within 25 miles | 9 (about 15,610 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Salina follows Kansas state law. Lenders that serve Salina, in a store or online, must be licensed by the Kansas Office of the State Bank Commissioner.
Credit unions in Salina
These credit unions have their main office in Salina, according to NCUA call report data (June 2026):
- Central Kansas Education Credit Union (state charter)
- Salina Interparochial Credit Union (state charter)
- Salina Municipal Credit Union (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 Salina
The main Kansas rules for a payday loan in Salina: 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 Salina
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 Saline County before you borrow
- Call or text 211 for help with rent, utilities and food in Saline 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 Salina
The nearest larger city is Manhattan, about 60 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 Salina?
Yes. Payday loans are legal in Salina 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 Salina?
At Kansas’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Salina?
Yes. NCUA data lists 3 credit unions with a main office in Salina, including Central Kansas Education Credit Union and Salina Interparochial Credit Union.
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