- Payday loans in Spring Hill 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 7 miles away.
Spring Hill at a glance
| Spring Hill | |
|---|---|
| Population (2024 Census estimate) | 10,070 |
| Change since 2020 | +24.2% (growing fast) |
| Counties | Johnson County and Miami County |
| Size rank among 367 Kansas places we cover | 36th |
| Nearest larger city | Gardner (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 6 |
| Other towns within 25 miles | 26 (about 652,983 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Whether you borrow at a storefront in Gardner or online from Spring Hill, the lender must hold a Kansas license from the Kansas Office of the State Bank Commissioner and follow state limits.
Credit unions near Spring Hill
No credit union has its main office in Spring Hill, but these are based elsewhere in Johnson County (NCUA, June 2026):
- Sm Federal Credit Union in Mission (federal charter — may offer payday alternative loans (PALs))
- Communityamerica Federal Credit Union in Lenexa (federal charter — may offer payday alternative loans (PALs))
- Mainstreet Federal Credit Union in Lenexa (federal charter — may offer payday alternative loans (PALs))
- K.U.M.C. Credit Union in Shawnee (state charter)
- B&V Credit Union in Overland Park (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 Spring Hill
Key Kansas limits that apply to Spring Hill 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 Spring Hill
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 Spring Hill 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 Spring Hill
The nearest larger city is Gardner, about 7 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 Spring Hill?
Yes. Payday loans are legal in Spring Hill 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 Spring Hill?
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 Spring Hill?
No credit union is headquartered in Spring Hill, but Sm Federal Credit Union is based in Mission, also in Johnson 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