- Payday loans in Scammon 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 Gardner, about 106 miles away.
Scammon at a glance
| Scammon | |
|---|---|
| Population (2024 Census estimate) | 368 |
| Change since 2020 | -1.1% (shrinking) |
| County | Cherokee County |
| Size rank among 367 Kansas places we cover | 324th |
| Nearest larger city | Gardner (about 106 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 14 (about 51,120 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Scammon payday law: Kansas rules apply here, and any lender serving Scammon residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near Scammon
NCUA data (June 2026) shows no credit union headquartered in Scammon or Cherokee 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.
Payday loan rules that apply in Scammon
In short, Kansas rules that cover Scammon 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 Scammon
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 Cherokee County before you borrow
Before a payday loan, Scammon residents can usually find something cheaper:
- Local assistance through 211 covering Cherokee 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 Scammon
The nearest larger city is Gardner, about 106 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 Scammon?
Yes. Payday loans are legal in Scammon 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 Scammon?
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 Scammon?
NCUA data shows no credit union headquartered in Scammon 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