Get Payday or Installment Loan Offers in Kansas Online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
Estimate uses the maximum fee Kansas law allows (up to 15% of the amount of the cash advance). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offers- Kansas lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Kansas, requested online
Kansas residents can request $100 to $500 online from any of the 634 Kansas cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
What Kansas law says
- Maximum loan amount: $500.
- Fee limit: Up to 15% of the amount of the cash advance.
- Loan term: 7 to 30 days.
- Renewals: A payday loan may not be repaid with the proceeds of another payday loan from the same lender or a related company.
- Waiting period: No cooling-off period; no more than 3 loans to one borrower in any 30 days, and none during an extended payment plan.
- Payment plan: One extended payment plan per 12 months: at least 4 equal installments, no added interest or fees.
- Loan limits: No more than 2 loans outstanding per borrower with one lender and its related companies; lender keeps a borrower journal. No statewide database in the statute.
- Lenders must hold a license from the Office of the State Bank Commissioner (OSBC) and disclose fees and APR before you sign.
Good to know
- The most you can borrow in one payday loan is $500.
- The fee is capped at 15% of the cash advance, or $15 per $100 borrowed.
- A payday loan must run 7 to 30 days.
- A lender may not have more than two loans outstanding to you at once, or make more than three in any 30 days.
- A lender may not repay a payday loan with the proceeds of a new loan from the same lender.
- If you cannot repay on time, you may elect one extended payment plan every 12 months, with at least four equal installments and no added fees.
- After the due date, the lender may charge at most 3% per month on the loan, plus one returned-check charge.
- Payday lenders must be licensed; complaints go to the State Bank Commissioner.
Why request online
Installment loans in Kansas
Need more than $500 or more time to repay? Kansas also allows consumer installment loans from licensed lenders, repaid in fixed monthly payments. Closed-end consumer loans: finance charge may not exceed 36% a year (actuarial method). Payday loans under 16a-2-404 are governed separately.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Supervised loan license from the Office of the State Bank Commissioner (OSBC), K.S.A. 16a-2-301.
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
Payday Loan Rules in Kansas
| Maximum amount | Up to $500 |
|---|---|
| Loan term | 7–30 days |
| Rate / fee rule | Fee ≤15% of cash advance |
| Regulatory basis | Kan. Stat. §16a-2-404, 16a-2-405 |
Key Rules
- No additional insurance/other charges except permitted returned-check costs
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Kansas cities
Questions people ask
Are payday loans legal in Kansas?
Yes. Lenders are licensed by the Office of the State Bank Commissioner (OSBC) under K.S.A. 16a-2-404 (payday loans).
What is the maximum payday loan in Kansas?
$500. The lender decides your amount based on income.
How much does a payday loan cost in Kansas?
Fee limit in Kansas: up to 15% of the amount of the cash advance. At $15 per $100, a $300 two-week loan costs $45, about 391% APR.
Where can I complain about a lender in Kansas?
Contact the Office of the State Bank Commissioner (OSBC) at (785) 380-3939 or the CFPB at consumerfinance.gov/complaint.
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
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All Kansas cities we cover
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