- Payday loans in Kansas follow Missouri law (RSMo 408.500, 408.505 and 408.506).
- Borrowing $300 at the state maximum costs Up to 75% of the loan over its whole life, including renewals.
- Typical statewide APR: 652% (CRL, June 2023).
Kansas at a glance
| Kansas | |
|---|---|
| Population (2024 Census estimate) | 516,032 |
| Change since 2020 | +1.6% (growing) |
| Counties | Cass County, Clay County, Jackson County and Platte County |
| Size rank among 608 Missouri places we cover | 1st |
| Share of Missouri’s population | 8.3% |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 17 |
| Other towns within 25 miles | 40 (about 569,438 residents) |
| Typical payday APR statewide (CRL 2023) | 652% |
Payday lending in Kansas follows Missouri state law. Lenders that serve Kansas, in a store or online, must be licensed by the Missouri Division of Finance.
Credit unions near Kansas
No credit union has its main office in Kansas, but these are based elsewhere in Cass County (NCUA, June 2026):
- R G Federal Credit Union in Raymore (federal charter — may offer payday alternative loans (PALs))
- Burlington Northtown Community Credit Union in North Kansas Ci (state charter)
- Kc Unidos Federal Credit Union in Kansas City (federal charter — may offer payday alternative loans (PALs))
- Wedevelopment Federal Credit Union in Kansas City (federal charter — may offer payday alternative loans (PALs))
- Independence Teachers Credit Union in Independence (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 Kansas
| Rule | Missouri |
|---|---|
| Maximum loan | $500 |
| Loan term | 14 to 31 days |
| Cost cap | Interest and fees capped at 75% of the initial loan, including all renewals |
| Renewals | No more than six |
| Early repayment | Repay by the close of the lender’s next full business day and you pay no interest or fees |
What a $300 loan costs in Kansas
At Missouri’s maximum fee, borrowing $300 costs Up to 75% of the loan over its whole life, including renewals. Statewide, the typical APR on a $400 payday loan was 652% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Cass County before you borrow
- Call or text 211 for help with rent, utilities and food in Cass 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 Kansas
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 Kansas?
Yes. Payday loans are legal in Kansas under Missouri state law, and lenders must be licensed by the Missouri Division of Finance.
How much does a payday loan cost in Kansas?
At Missouri’s maximum fee, borrowing $300 costs Up to 75% of the loan over its whole life, including renewals. The typical statewide APR was 652% in 2023.
Where is the nearest credit union to Kansas?
No credit union is headquartered in Kansas, but R G Federal Credit Union is based in Raymore, also in Cass 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)
- Missouri Division of Finance — Payday lenders
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary