- Payday loans in St. Paul 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 90 miles away.
St. Paul at a glance
| St. Paul | |
|---|---|
| Population (2024 Census estimate) | 616 |
| Change since 2020 | 0% (holding steady) |
| County | Neosho County |
| Size rank among 367 Kansas places we cover | 256th |
| Nearest larger city | Gardner (about 90 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 11 (about 27,606 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate St. Paul payday law: Kansas rules apply here, and any lender serving St. Paul residents, online or in person, needs a license from the Kansas Office of the State Bank Commissioner.
Credit unions near St. Paul
NCUA data (June 2026) shows no credit union headquartered in St. Paul or Neosho 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 St. Paul
In short, Kansas rules that cover St. Paul 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. Paul
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 Neosho County before you borrow
Before a payday loan, St. Paul residents can usually find something cheaper:
- Local assistance through 211 covering Neosho 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. Paul
The nearest larger city is Gardner, about 90 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. Paul?
Yes. Payday loans are legal in St. Paul 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. Paul?
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. Paul?
NCUA data shows no credit union headquartered in St. Paul 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