Payday Loans in Kansas

Yes, payday loans are legal in Kansas. You can borrow up to $500 for 7 to 30 days, and the fee can't be more than 15% of the amount: $75 on $500.

What $100 to $500 Costs at the 15% Fee Cap

Worked out from Kansas law, not offers from lenders in our network; a lender can charge less.

The APR is the same at every amount because the fee is a flat share of the loan; only the term changes it. After the due date, the lender can add up to 3% a month on what you still owe ($15 a month on $500), plus one returned-check fee of up to $30.

Two Loans per Lender, and No State Database

One lender can have no more than two payday loans out to you at once, or make you more than three in 30 days. It must give you a notice of the two-loan limit in English and Spanish.

Kansas has no statewide database, so those limits apply to each lender on its own; bills to create one failed in 2007 and 2013. A lender also can't let you pay off a payday loan with another payday loan from it or a related company.

The Free Payment Plan, Once Every 12 Months

Since January 1, 2025, you can turn a payday loan into an extended payment plan once a year, at no extra cost.

1. Ask before close of business on the last business day before your due date, and sign the plan amendment.
2. Repay the loan and its fee in at least four roughly equal installments: about $143.75 each on a $500 loan.
3. Keep up: you can't take a new payday loan during the plan, and a missed installment lets the lender demand the full balance.

Need more than $500, or monthly payments from the start? Licensed Kansas installment loans are capped at 36% a year; see Kansas loan rules.

Requesting a Kansas Payday Loan in 3 Steps

1. Check your limits with that lender: fewer than two open loans with it, and fewer than three from it in the last 30 days.
2. Submit one request through LendUp. Lenders in our network review it, and any offer shows the APR, payments and total cost before you sign.
3. Read the contract: no confession-of-judgment, hold-harmless or waiver-of-claims clause, and no insurance or other product added.

Is the Payday Lender Licensed by OSBC?

1. Search NMLS Consumer Access by the lender's legal name or NMLS number.
2. Look for Kansas with an active Supervised Lender license.
3. Match the licensee's name and address to the website or store.

Can't find it? Call OSBC at 785-380-3939 before you apply. A supervised loan made without a license is void, so you'd owe neither the amount you received nor the fee.

• No criminal threats. A payday lender can't threaten arrest or charges, and your check must be stamped to say it can't be used for a criminal prosecution.
• Military borrowers. Lenders can't garnish military pay or contact your chain of command, and must pause collection during a combat deployment. Federal law caps most loans to active-duty servicemembers and dependents at 36%.

Common Questions

Official Sources

← Kansas loan rules