Payday loans in Kansas
Under a special short-term part of the Kansas Uniform Consumer Credit Code, licensed supervised lenders in Kansas may provide payday loans up to $500.
- Payday lending
- Allowed
- Max cost
- $15.00 per $100 borrowed
- Top amount
- $500
At that cap, a $100 loan over 14 days can carry $15.00 in fees: $115.00 back in total, close to 391% APR.
Are payday loans legal in Kansas?
Payday loans are indeed legal in Kansas under the payday loan portion of the Kansas Uniform Consumer Credit Code. You may receive a cash advance up to $500 from a licensed lender, who can charge up to 15% and allow seven to 30 days for repayment. On a $100 loan, that fee comes to $15. State rules also cap your borrowing at two open loans with one lender simultaneously, plus a maximum of three loans during any 30 calendar days.
If you cannot pay a loan when due, you may request an extended payment plan one time every 12 months. Your balance gets divided into at least four payments that are nearly equal under this plan. The Kansas Office of the State Bank Commissioner holds no power over lenders wholly owned by a tribe. Some companies claiming tribal status do not actually belong to a tribe. You may submit a consumer assistance form to the state office for investigation if a lender makes that claim.
- The fee equals a flat 15% of the cash advance, a figure the OSBC itself calculates as about 391% APR on a $100 loan lasting 14 days.
- Kansas caps size and frequency alike: one lender may give you at most two open loans at once, and borrowing cannot exceed three loans during any 30-day period.
- Borrowers may cancel a payday loan without cost by returning the cash before the next working day ends.
- Active-duty military borrowers gain protection from a separate statute that includes a ban on garnishing military pay.
- An extended payment plan option available once every 12 months is part of the payday section, last amended in 2024 and effective January 1, 2025.
Kansas payday loan laws
- Law in force
- The payday loan provisions in the Kansas Uniform Consumer Credit Code
- Cited as
- K.S.A. 16a-2-404 (military borrowers: 16a-2-405)
- Fees under the law
- The charge must stay at or below 15% of the cash advance amount.
- Most you can borrow
- $500
- How long a loan runs
- 7 days to 30 days
- Rollovers
- You cannot repay a loan using proceeds from another payday loan issued by the same lender or its related interest.
- Loans you can hold at once
- A borrower is limited to two outstanding loans from one lender and related interest, with no more than three loans during 30 calendar days overall.
- Repayment plan
- An extended payment plan with at least four substantially equal installments is an option once every 12 months for borrowers who cannot repay.
- Installment lending limits
- For closed-end consumer loans, the periodic finance charge must not exceed 36% per annum under K.S.A. 16a-2-401(2))
Also checked against osbckansas.gov. Full statute text.
Online lenders that list Kansas
Eleven companies we track say they lend in Kansas: 3 online installment lenders, 1 store and online lender, 6 tribal lenders and 1 loan broker.
| Lender | Kind | Posted APR |
|---|---|---|
 NetCredit | Installment | 34.99% to 99.99% |
 OppLoans | Installment | 99% to 195% |
 Rise Credit | Installment | 60% to 299% |
 ACE Cash Express | Store and online | 122.4% to 769.1% |
 Viva Payday Loans | Broker | Partner lenders quote 4.99% to 1,386% |
Tribal loans in Kansas
For an investigation, OSBC asks borrowers to send a consumer assistance form. The agency says lenders owned entirely by a tribe are beyond its jurisdiction. It warns that a company claiming tribal status is not always tribally owned.
On the immunity claim tribal lenders make, see are tribal loans legal.
Six tribal lenders we track list Kansas as a state they lend in. Three of the six publish an APR, from 73.7% to 725%.
| Lender | Posted APR |
|---|---|
 Mobiloans | 73.7% to 405% |
 Spotloan | 99% to 490% |
 BrightLending | 325% to 725% |
 MaxLend | Not published |
 Minto Money | Not published |
| American Web Loan | Not published |
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Kansas and the states around it
| State | Payday lending | Max cost | Top amount |
|---|---|---|---|
| Kansas | Allowed | $15.00 per $100 borrowed | $500 |
| Colorado | Only as installments | 36% APR | At any time, no single lender may provide more than $500. |
| Missouri | Allowed | Fees and interest can go up to 75% of the loan, and that includes renewals. | You may owe no more than $500 at once to one lender and its affiliates. |
| Nebraska | Banned | 36% APR | A total of $500 across all checks held from a single borrower |
| Oklahoma | Only as installments | None in the law | Across all licensees, one borrower’s outstanding principal from small loans is limited to $1,500 and moves with CPI every other year. Payments due each month may not exceed 20% of monthly income before deductions. |
Kansas loans with no credit check
Installment loan rates: For closed-end consumer loans, the periodic finance charge must not exceed 36% per annum under K.S.A. 16a-2-401(2)).
See no credit check loans: the checks lenders still run, and the price.
Verify a lender's license in Kansas
- Look the lender up on the license list before you hand over any bank details.
- Lenders here answer to the Kansas Office of the State Bank Commissioner (OSBC), Division of Consumer and Mortgage Lending.
- Had trouble with a lender? Report the lender.
Sources for Kansas
- A payday loan is a cash advance that requires one payment and is for $500 or less.; The loan term must run from 7 to 30 days.; In 30 days, the limit is three loans total, while no more than two loans from the same lender can be outstanding.ksrevisor.gov
- Military borrowers are protected because payday lenders cannot garnish their military pay.; Lenders must defer collection efforts for military borrowers deployed to combat postings.ksrevisor.gov
- According to the OSBC, a 14-day loan of $100 with a 15% fee equals 391.07% APR.; A payday lender may impose one NSF fee and 3% per month after the loan matures.; Lenders claiming tribal affiliation are addressed by the OSBC.osbckansas.gov
- A cap of 36% per annum applies to closed-end consumer loans.ksrevisor.gov
- To verify non-bank lender licences, the OSBC directs consumers to NMLS Consumer Access.osbckansas.gov
- The OSBC reviews consumer assistance requests, also known as complaints.osbckansas.gov