Kansas
Payday Loans Can Be Repaid Slowly
According to The Wichita Eagle…
Section
Payday Loans in Kansas
Payday Loan Laws in Kansas (2026)
Yes — payday loans are legal in Kansas. You can borrow up to $500 with a fee of 15% of the amount advanced, for a term of 7 to 30 days. You may have no more than two loans from one lender at a time, rollovers are banned, and once a year you can request a free extended payment plan. The Office of the State Bank Commissioner oversees lenders.
| Status | Legal — licensed & regulated |
|---|---|
| Maximum loan | $500 |
| Maximum fee | 15% of the amount advanced |
| Typical APR | ≈391% on a 14-day loan |
| Loan term | 7 to 30 days |
| Loans at once | No more than 2 from one lender |
| Rollovers | Prohibited |
| Right to cancel | By the close of the next business day, at no cost |
| Repayment plan | One free extended plan per year (4 equal installments) |
| Regulator | Office of the State Bank Commissioner (OSBC) |
| Law | Kansas UCCC (K.S.A. 16a-2-404) |
What a payday loan costs in Kansas
Kansas caps the fee at 15% of the amount advanced, so a $500 loan costs $75. On a two-week loan that's about a 391% APR; the percentage is higher on smaller, shorter loans.
| Amount borrowed | Fee (15%) | Total repaid |
|---|---|---|
| $100 | $15 | $115 |
| $300 | $45 | $345 |
| $500 | $75 | $575 |
Your rights as a borrower in Kansas
- You may have no more than two payday loans from one lender at a time, each up to $500.
- Rollovers are banned, and the term runs 7 to 30 days.
- Once a year you can request a free extended payment plan — four equal installments at no extra cost.
- You can cancel a loan at no cost by the close of the next business day.
Problem with a lender? File a complaint
Payday lenders in Kansas are licensed by the Office of the State Bank Commissioner. To report a violation or an illegal lender, use the online complaint form.
Alternatives to a payday loan
Before borrowing, compare a credit-union payday-alternative loan, an employer paycheck advance, or a payment plan with the biller. See our guide to payday loans and alternatives.
Disclaimer: general information, not legal or financial advice. Laws change — verify the current rules with the Kansas Office of the State Bank Commissioner (OSBC) before borrowing. Last reviewed 2026.
Sources
Frequently asked
Are payday loans legal in Kansas?
Yes. They are legal and regulated under the Kansas Uniform Consumer Credit Code (K.S.A. 16a-2-404), overseen by the Office of the State Bank Commissioner.
How much can you borrow with a payday loan in Kansas?
Up to $500, with no more than two loans from one lender at a time.
What is the most a Kansas payday lender can charge?
15% of the amount advanced — about a 391% APR on a two-week loan.
Can I get a repayment plan for a payday loan in Kansas?
Yes. Once per 12 months you can request a free extended payment plan of four equal installments.
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