Payday loans in Kansas
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Kansas payday loan rules at a glance
| Governing law | Kansas Uniform Consumer Credit Code, K.S.A. 16a-2-404 (payday loans) and 16a-2-405 (military borrowers). (K.S.A. 16a-2-404) |
|---|---|
| Maximum loan | $500 cash advance. (K.S.A. 16a-2-404(1)(c)) |
| Fees / interest cap | 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. (K.S.A. 16a-2-404(1), (5), (8)) |
| Minimum term | 7 days. (K.S.A. 16a-2-404(2)) |
| Maximum term | 30 days. (K.S.A. 16a-2-404(2)) |
| Rollovers / renewals | A payday loan may not be repaid with the proceeds of another payday loan from the same lender or a related business. (K.S.A. 16a-2-404(6)) |
| Loans at one time / database | No more than 2 loans outstanding with the same lender (and related businesses) at once, and no more than 3 loans from one lender in any 30-day period. Lenders may not split a loan into several loans to raise fees. (K.S.A. 16a-2-404(3)-(4)) |
| Extended payment plan | Yes, once every 12 months. Ask before close of business on the last business day before the due date. You repay the loan and fee in at least 4 roughly equal installments timed to your paydays (or at least 2 weeks apart), with no extra interest or fees. No new payday loan may be made to you during the plan. (K.S.A. 16a-2-404(7)) |
| Returned-payment fee | One returned-check charge if your check is returned for insufficient funds. (K.S.A. 16a-2-404(8)) |
| Criminal charges for bounced check | A lender may not use or threaten to use the criminal process in any state to collect a payday loan, and must stamp your check 'No criminal prosecution.' (K.S.A. 16a-2-404(8), (11)(b)) |
How much will I repay?
Kansas does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Colorado | Not available | $500. |
| Missouri | Legal | Payday loans are loans of $500 or less, and a lender (with its affiliates) may not have more than $500 in payday loans… |
| Nebraska | Not available | A lender may not hold checks from one borrower totaling more than $500 at any one time. |
| Oklahoma | Not available | Small loans are capped by the total you may owe across all small lenders. |
Payday Loans by city in Kansas
Counties in Kansas
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Also see: Personal Loans in Kansas · Title Loans in Kansas · All Kansas loan options
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.
How many payday loans can you have at once in Kansas?
No more than 2 loans outstanding with the same lender (and related businesses) at once, and no more than 3 loans from one lender in any 30-day period. Lenders may not split a loan into several loans to raise fees.
Can you roll over a payday loan in Kansas?
A payday loan may not be repaid with the proceeds of another payday loan from the same lender or a related business.
Do Kansas payday lenders have to offer a payment plan?
Yes, once every 12 months. Ask before close of business on the last business day before the due date. You repay the loan and fee in at least 4 roughly equal installments timed to your paydays (or at least 2 weeks apart), with no extra interest or fees. No new payday loan may be made to you during the plan.
Can a payday lender press criminal charges in Kansas?
A lender may not use or threaten to use the criminal process in any state to collect a payday loan, and must stamp your check 'No criminal prosecution.'
How much does a payday loan cost in Kansas?
15% of the amount of the cash advance. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Kansas borrowers in about 3 minutes.
Can I get a payday loan on the weekend in Kansas?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Kansas residents can start a request now; it takes about 3 minutes.
Do payday loans in Kansas affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Kansas residents can see their options with our 3-minute form.
Can I get a payday loan online in Kansas?
Yes. You can request a payday loan online from anywhere in Kansas, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Kansas residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.