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Kansas Payday Loans
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are legal in Kansas through lenders licensed by the KS State Bank Commissioner. State law caps what you can borrow at $500, and the most a lender can charge is 15% of that cash advance—up to $75 on a full $500 loan.
Your loan must run between 7 days and 30 days. The typical APR works out to about 391%. Rollovers are prohibited, so you cannot extend the same loan by paying only the fee.
Kansas short-term loan laws
- Max loan amount
- $500
- Min loan term
- 7 days
- Max loan term
- 30 days
- Finance charge cap
- 15% of cash advanced
- Max absolute fee
- $75
- Typical APR
- ~391%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 2 active loans
- Right to rescind
- Next business day
- Governing law
- Kansas Consumer Credit Code
- Regulator
- KS State Bank Commissioner
Kansas in context
- Population rank
- 35th
- of 50 states
- Median household income rank
- 26th
- of 50 states
- Households earning under $25,000
- 14.4%
- ▼ 0.5 pts vs US
- Median home value
- $218,371
- ▼ 44% vs US
- Home value to income
- 2.8×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday lending in Kansas cities
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What a $500 loan costs and how to repay
Borrowing the maximum $500 for 14 days triggers the 15% fee, which comes to $75. You would repay $575 total on the due date. That example APR is 391%, calculated the way the Truth in Lending Act requires lenders to disclose it before you sign.
Because rollovers are banned, the full $575 is due in one payment. Kansas allows you to carry two active payday loans at once, but taking a second loan does not erase the first; both come with their own due dates and fees.
If that single-payment structure feels tight, consider alternatives. Federally insured credit unions offer Payday Alternative Loans (PALs) from $200 to $2,000 with terms of 1 to 12 months and APR capped at 28%, plus an application fee up to $20. Active-duty service members and dependents are protected by the Military Lending Act, which caps total costs at 36% MAPR. Today, you can check whether a credit union you already use offers PALs, or verify a lender's license on the KS State Bank Commissioner website before applying.
Read more about borrowing in Kansas
What a payday loan costs in Kansas
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.5%
- Hours of work at the local median wage
- 3.8 hours
- Rollovers
- Not allowed in Kansas
Example based on the Kansas maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
$500 payday loan vs options in Kansas
| Option | Term | Cost | Details |
|---|---|---|---|
| Payday loan | 2 weeks | $75 fee | 390% APR |
| Credit card cash advance | 30 days | $37.33 (typical) | 5% fee + 30% APR |
| Credit union PAL | 6 months | $62 total | $90.27/mo at 28% APR, $20 fee |
| Installment loan at state max | 6 months | $65 total | $94.09/mo at 43% APR |
Calculated from state rules in our database; card terms are typical, not a quote.
Top Kansas cities for payday storefronts
| City | Residents | Loan offices | Per 100,000 residents |
|---|---|---|---|
| Wichita | 425,167 | 21 | 4.9 |
| Kansas City | 159,505 | 4 | 2.5 |
Cities with 20,000+ residents; counts from our directory.
Getting short-term cash in Kansas
Our encrypted platform introduces you to lenders with valid Kansas licenses when you need help covering sudden expenses.
The online form takes minutes to finish, responses come quickly and approved borrowers typically see deposits by the next business day.
Why borrowers in Kansas use us
- Quick online application A simple form you can complete in about 5 minutes, any time and anywhere.
- Fast decision Participating lenders with valid Kansas licenses assess your submission immediately as it arrives.
- All credit types considered Having imperfect credit does not mean you are automatically turned away.
- Transparent terms All charges and loan contracts are required to follow the Kansas Consumer Credit Code.
Kansas disclosure: Payday loans and short-term cash advances are designed for short-lived money needs and are not meant to serve as ongoing financial fixes. Kansas law (Kansas Consumer Credit Code) fixes the rates, terms and top loan amounts. Borrow only what you can repay and read every term before you sign.
Kansas at a glance
| Metric | Kansas | United States |
|---|---|---|
| Population | 2.9M | 332.3M |
| Median household income | $78,365 | $85,275 |
| Median rent | $1,055/mo | $1,432/mo |
| Income spent on rent | 26.8% | 31.6% |
| Homeownership | 67.1% | 65.4% |
| Poverty rate | 11.8% | 12.6% |
| Unemployment rate | 4.0% | 5.3% |
| Without health insurance | 8.8% | 8.6% |
| Veterans | 7.1% | 6.5% |
- Max fee on a $500 loan vs. median monthly household income
- $75 = 1.1%
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Kansas
Move the sliders to see what a payday loan would cost under Kansas rules and how it compares with local incomes.
Kansas maximum: $500
Kansas maximum: $15
Rollovers are not allowed in Kansas.
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Share of a two-week household paycheck in Kansas
- 2.5%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Kansas payday loan answers
How much money can I get through a loan in Kansas?
For those who meet the criteria in Kansas, loan amounts generally fall from $100 up to $500. The precise figure rests on your steady monthly income, how much you can afford to repay and Kansas law.
What is the minimum I need to qualify to send in a request?
A loan request in Kansas calls for the following:
- Reach 18 years of age, the legal threshold of majority
- A current government-issued photo ID showing Kansas address
- An active checking account held in your name
- Documented proof of a consistent, verifiable income source
Can I still get approved with credit problems or a prior bankruptcy?
It is not impossible. Several lenders we connect you with weigh your present earnings and repayment capacity more heavily than prior credit blemishes. Guarantees do not exist.
What is the typical speed of funding?
After your application gains approval and you sign the agreement digitally, you can typically expect the deposit the same day or the next business day, with the lender and your bank determining exact timing.
How and when do I pay the loan back?
You have between 7 days and 30 days to repay under state regulations. On the due date, typically your next payday, the full loan amount plus fees is taken automatically from your checking account.