Payday loans in Kansas
Payday loans are legal in Kansas. A licensed lender may lend up to $500 and charge no more than 15% of loan amount. Every figure on this page was checked against Kansas law on November 10, 2026.
- Status
- Legal
- Maximum loan
- $500
- APR, 14-day loan
- 391%
Kansas payday loan rules at a glance
- Legal status
- Legal
- Maximum loan
- $500
- Loan term
- (7-30 days)
- Maximum fee
- 15% of loan amount
- APR on a 14-day $100 loan
- 391%
- Loans at one time
- A lender and related interest shall not have more than two loans made under this section outstanding to the same borrower at any one time and shall not make more than…
- Rollovers
- None.
- Governing law
- Kan. Stat. Ann. § 16a-2-404, 405
Checked against Kansas law on November 10, 2026.
What a $300 payday loan costs in Kansas
- You borrow
- $300.00
- Fee
- $45.00
- You repay in 14 days
- $345.00
Based on Kansas's maximum fee, repaid in one payment. Your lender's price may differ.
The short version
- Payday loans are legal in Kansas and lenders must hold a state license.
- The most you can borrow on one loan is $500.
- The legal maximum on a $100, 14-day loan is $15, which is 391% APR.
- Kansas Office of the State Bank Commissioner handles licensing questions and complaints.
On this page
Are payday loans legal in Kansas?
Payday loans are legal in Kansas. A licensed lender may lend up to $500 and charge no more than 15% of loan amount.
The governing law is Kan. Stat. Ann. § 16a-2-404, 405. Kansas Office of the State Bank Commissioner licenses lenders and takes complaints.
Loan limits in Kansas
- Loan size: up to $500
- Loan term: 7-30 days
- Loans at one time: A lender and related interest shall not have more than two loans made under this section outstanding to the same borrower at any one time and shall not make more than…
- Rollovers: None.
What a payday loan costs in Kansas
State law sets the price rule: 15% of loan amount.
On a $100 loan repaid after 14 days, the most a lender may charge is $15. You would repay $115, an APR of 391%. For comparison, most credit cards charge between 20% and 30% APR.
Before you deal with an online lender
- Look the company up with Kansas Office of the State Bank Commissioner. No license, no loan.
- Never pay a fee up front to get a loan. That is the mark of an advance-fee scam.
- Read the agreement for the finance charge, the APR and the due date before you give out bank details.
If you cannot repay a loan in Kansas
Contact the lender before the due date and ask for a payment plan in writing. If a lender or collector breaks the rules, file a complaint with Kansas Office of the State Bank Commissioner and with the CFPB. Our guide to what happens if you don’t pay covers each step.
Lower-cost options in Kansas
- Credit union payday alternative loans (PALs): $200 to $2,000 at no more than 28% APR.
- A payment plan with the landlord, utility or hospital you owe often costs nothing.
- Local assistance: dial 211 for rent, utility and food programs near you.
See all payday loan alternatives or work out a loan’s price with the cost calculator.
Free help in Kansas
- 211Free, confidential referrals to local help with rent, utilities and food. Call 211.
- USA.gov: help paying billsGovernment programs for rent, energy, phone and medical bills.
- National Foundation for Credit CounselingNonprofit credit counselors who can set up a debt management plan. Call 800-388-2227.
- CFPB complaint portalFile a federal complaint about a lender or a debt collector.
Common questions
Are payday loans legal in Kansas?
Yes. Payday loans are legal in Kansas under Kan. Stat. Ann. § 16a-2-404, 405, and lenders need a state license.
How much can I borrow with a payday loan in Kansas?
Up to $500 on a single loan.
What does a payday loan cost in Kansas?
At the legal maximum, a $100 loan for 14 days costs $15. That equals an APR of 391%. A lender may charge less, so compare before you sign.
Can I roll over a payday loan in Kansas?
State rule on rollovers: None. A rollover adds a new fee without reducing what you owe.
Can I be arrested for not repaying a payday loan in Kansas?
No. Not paying a loan is a civil matter, not a crime. A lender can still sue you in civil court, so never ignore a court summons.
Where do I complain about a lender in Kansas?
Contact Kansas Office of the State Bank Commissioner. You can also file a complaint with the Consumer Financial Protection Bureau.
Does Northlight lend money?
No. Northlight is an information site. We explain the rules and the costs; we do not make loans or credit decisions.
Sources
Keep reading
- KentuckyPayday loans are legal in Kentucky. A $100 two-week loan can cost up to $16 (417% APR). See the loan limits, the rules lenders must follow and where to complain
- IowaPayday loans are legal in Iowa. A $100 two-week loan can cost up to $15 (391% APR). See the loan limits, the rules lenders must follow and where to complain.
- LouisianaPayday loans are legal in Louisiana. A $100 two-week loan can cost up to $16.75 (437% APR). See the loan limits, the rules lenders must follow and where to comp
- IndianaPayday loans are legal in Indiana. A $100 two-week loan can cost up to $15 (391% APR). See the loan limits, the rules lenders must follow and where to complain.
- MainePayday loans are legal in Maine. A $100 two-week loan can cost up to $15 (391% APR). See the loan limits, the rules lenders must follow and where to complain.
- IllinoisIllinois caps small loans at 36% APR, so high-cost payday loans are not offered. See what is allowed, what it costs and the alternatives.