- Payday loans in St. George 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 Manhattan, about 10 miles away.
St. George at a glance
| St. George | |
|---|---|
| Population (2024 Census estimate) | 1,150 |
| Change since 2020 | +8.3% (growing fast) |
| County | Pottawatomie County |
| Size rank among 367 Kansas places we cover | 174th |
| Nearest larger city | Manhattan (about 10 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Pottawatomie County | 1 |
| Other towns within 25 miles | 12 (about 70,214 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate St. George payday law: Kansas rules apply here, and any lender serving St. George residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near St. George
No credit union has its main office in St. George, but these are based elsewhere in Pottawatomie County (NCUA, June 2026):
- Kansas State University Federal Credit Union in Manhattan (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 St. George
In short, Kansas rules that cover St. George 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 St. George
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 Pottawatomie County before you borrow
Before a payday loan, St. George residents can usually find something cheaper:
- Local assistance through 211 covering Pottawatomie 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 St. George
The nearest larger city is Manhattan, about 10 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 St. George?
Yes. Payday loans are legal in St. George 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 St. George?
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 St. George?
No credit union is headquartered in St. George, but Kansas State University Federal Credit Union is based in Manhattan, also in Pottawatomie 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