Loans in Kansas: Installment and Payday Options
Page last reviewed: October 28, 2026 · Reviewed for accuracy by Betty Walsh
Yes, you can get a loan in Kansas. Payday loans go up to $500 with a fee of up to 15%, and since January 1, 2025, licensed lenders can charge no more than a flat 36% a year on installment loans.
| Payday loan | Up to $500 for 7 to 30 days; fee up to 15% ($75 on $500) |
| Installment | 36% a year, plus an origination fee of up to 2% ($300 max) |
| Example | $1,000 over 12 months: about $100.46 a month at the 36% cap |
| You need | ID, proof of income and a bank account |
| Regulator | Office of the State Bank Commissioner (OSBC), 785-380-3939 |
Kansas Loan Costs From $300 to $15,000
The most a licensed Kansas lender can charge, by loan:
| Loan | You repay | Cost (APR) |
|---|---|---|
| $300 payday, 14 days | $345 once | $45 (~391%) |
| $500 payday, 14 days | $575 once | $75 (~391%) |
| $1,000, 12 months | 12 × $100.46 | $226 (~40%) |
| $3,000, 24 months | 24 × $177.14 | $1,311 (~38%) |
| $5,000, 36 months | 36 × $229.02 | $3,345 (~38%) |
| $15,000, 60 months | 60 × $541.99 | $17,819 (~37%) |
Worked out from Kansas law, not offers from lenders in our network; a lender can charge less. Installment costs include the origination fee, 2% of the loan or $300, whichever is less, counted as paid at the start. The fee stops rising at $15,000.
Loans of $1,000 or less must be repaid in roughly equal payments over no more than 25 months. For payday fees at every amount, see Kansas payday loan rules.
What the 2025 Rate Law Changed for Kansas Borrowers
Senate Substitute for HB 2247, passed in 2024, reset Kansas consumer loan prices from January 1, 2025:
- Interest: a flat 36% a year on closed-end loans, replacing 36% on the first $860 of the balance and 21% above it. On balances above $860, the cap rose from 21% to 36%.
- Origination fees: capped at $300.
- Returned payments: a fee of no more than $30.
The same date brought a payday right: once every 12 months, you can switch a payday loan to a free extended payment plan. Kansas also limits refinancing: if the same lender refinances an installment loan within 12 months, it can charge a new origination fee only on the new money.
Title Loans and Credit Lines: No Kansas Rate Cap
The 36% cap covers closed-end loans: a set amount repaid on a schedule. Open-end credit lines have no rate cap and can carry any rate you agree to. Kansas title loans are written as credit lines, so the cap doesn't reach them.
If an offer is a line of credit, the 36% limit won't hold it down. Compare its APR with the table above before you sign.
Applying in Kansas: Pick the Loan, Then Request
- Choose the loan: $500 or less, due in 7 to 30 days, is a payday loan; more money, or monthly payments, means an installment loan.
- Submit one request through LendUp. Lenders in our network review it, and any offer shows the APR, payments and total cost before you sign.
- Check the lender's license in NMLS Consumer Access, as shown below, before you sign.
Is the Lender a Kansas Supervised Lender?
- Search NMLS Consumer Access by the company's legal name or NMLS number, usually found in the website footer.
- Open the record and look for Kansas with an active Supervised Lender license.
- Match the name and address on the license to your loan offer.
Banks and consumer credit filers are listed in OSBC Online instead.
- Unlicensed loans are void. A lender needs the license to charge more than 12% APR; banks and credit unions are exempt. If a lender needed one and didn't have it, you owe neither the amount financed nor the finance charge.
- Late fees wait 10 days. A lender can't charge one until a payment is 10 days late, and only once per payment.
- Pay early, no penalty. You can prepay at any time; the lender may keep a $10 minimum charge if your contract says so.
Common Questions
What's the easiest loan to get approved for in Kansas?
Approval is never certain. Kansas law sets what a licensed lender can charge, not who qualifies, so each lender decides. A payday loan is capped at $500; an installment loan can be larger, at no more than 36% a year.
Can I get a loan online in Kansas?
Yes. Kansas law covers loans offered to Kansas residents by mail, phone or online, so a licensed online lender is held to the same caps. The exception is lenders wholly owned by a Native American tribe.
What is the interest rate cap on installment loans in Kansas?
A flat 36% a year on closed-end loans since January 1, 2025, plus an origination fee of up to 2% of the amount financed or $300, whichever is less.
Do Kansas title loans have a rate cap?
No. They're written as open-end credit lines, which can carry any rate the borrower agrees to. Compare the APR closely.
Where do I file a complaint about a Kansas lender?
Call OSBC at 785-380-3939 or toll-free at 1-877-387-8523, 8 a.m. to 4 p.m. Central, Monday to Friday. OSBC can investigate a lender, but it can't cancel a contract.
Official Sources
General information, not legal advice. Facts on this page were checked against these sources on October 28, 2026.
- K.S.A. 16a-2-401 - Finance charges on consumer loans
- K.S.A. 16a-2-404 - Payday loans
- K.S.A. 16a-2-501 - Additional charges
- K.S.A. 16a-2-502 - Late fees
- K.S.A. 16a-2-509 - Right to prepay
- K.S.A. 16a-2-308 - Loans of $1,000 or less
- K.S.A. 16a-5-201 - Loans made without a license
- Kansas OSBC - Consumer FAQs
- Kansas OSBC - File a complaint
- NMLS Consumer Access - license lookup
- Kansas OSBC - Online license lookup
- Kansas Legislature - Supplemental note on S Sub for HB 2247 (2024)
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