Loans in Kansas: payday, personal & title loan laws (2026)
Payday Loans Legal
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Personal Loans
36% a year cap on closed-end consumer loans; open-end credit uncapped.
Title Loans Legal
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the parties agree to.
Kansas at a glance
Counties in Kansas
Cities in Kansas
Frequently asked questions
Are payday loans legal in Kansas?
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A. 16a-2-404: up to $500, 7 to 30 days, with a fee of no more than 15% of the amount advanced.
How much can you borrow with a payday loan in Kansas?
$500 cash advance.
How much do payday loans cost in Kansas?
15% of the amount of the cash advance. After the due date, no more than 3% per month of the loan proceeds. No insurance or other charges, except one returned-check charge.
Are title loans legal in Kansas?
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the parties agree to.
What interest can title lenders charge in Kansas?
No rate cap: for open-end consumer credit a lender may charge any rate agreed to, but prepaid finance charges are limited to the lesser of 2% of the amount financed or $300.
Is there a cap on personal loan interest rates in Kansas?
36% a year cap on closed-end consumer loans; open-end credit uncapped.
Do personal loan lenders need a license in Kansas?
Yes. Unless exempt, a person may not be in the business of making supervised loans, or taking assignments of and collecting them, without a license. A supervised loan is a consumer loan with an APR over 12%.