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Payday Loans in Kansas

Compare licensed lenders • Check KS regulations • Apply online

Last updated: June 2026

Max Loan
$500
Cities Covered
0
Legal Status
Legal
Population
2,937,880

Kansas Payday Loan Regulations

Max Loan Amount:$500
Max Term:30 days
Typical APR:391%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Kansas are regulated by the Office of State Bank Commissioner. Typical APR 391%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Kansas

Payday loans in Kansas are regulated by the Office of State Bank Commissioner. Typical APR 391%.

Kansas is located in the Midwest region of the United States with a population of 2,937,880.

Key Regulations:

  • Maximum APR: 391%
  • Maximum loan amount: $500
  • Maximum term: 30 days
  • Rollovers allowed
  • Regulated by Kansas Office of the State Bank Commissioner

Regulatory Authority: Kansas Office of the State Bank Commissioner
Official Website: https://osbckansas.org/

Representative Example APR in Kansas

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Kansas depend on lender pricing, term length, and state compliance limits.

Cities in Kansas

Browse all 0 city pages in Kansas

Frequently Asked Questions – Kansas

Are payday loans legal in Kansas?
Yes, payday loans are legal in Kansas. The state is regulated by the Kansas Office of the State Bank Commissioner, which oversees all payday lenders. Payday loans in Kansas are regulated by the Office of State Bank Commissioner. Typical APR 391%.
What is the maximum payday loan amount in KS?
The maximum payday loan amount in Kansas is $500. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Kansas?
In Kansas, payday loans typically have a maximum term of 30 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in KS?
Payday loans in Kansas are regulated by the Office of State Bank Commissioner. Typical APR 391%.
How do I find licensed payday lenders in Kansas?
All payday lenders in Kansas must be licensed by the Kansas Office of the State Bank Commissioner. You can verify a lender's license at https://osbckansas.org/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in KS?
Most Kansas payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Kansas?
In Kansas, the maximum APR is 391%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in KS?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Kansas may change. Always verify current regulations with the Kansas Office of the State Bank Commissioner before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

Methodology

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