Kansas Payday Loan Laws and Regulations in (KS)

(last updated 03/19/2020)
Payday loans and cash advances are legal in Kansas. The Office of the State Bank Commissioner of Kansas has been regulating Payday Loans and Cash Advances since 1993. As of 09/12/2014 there were 590 licensed lenders and 1579 licensed locations in Kansas.
 
The maximum payday loan allowed in Kansas is $500. The maximum payday loan as a percentage of income is not specified. The number of loans that can be open at one time is 2. The maximum permissible fees allowed in Kansas is 15% of the amount of the cash advance (ex. $15 for 14 day $100 loan, 390% APR for 14 day $100 loan). The cooling off or waiting period for obtaining another loan is 0 days. The number of rollovers that are permitted is not specified. The minimum loan term is 7 days. The maximum loan term is 30 days.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Kansas, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Office of the State Bank Commissioner of Kansas.
 
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Kansas. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Kansas Payday Lending Regulator (KS)

Regulating Authority
Office of the State Bank Commissioner of Kansas
700 SW Jackson Street
Suite 300
Topeka, KS 66603
(785) 296-2266
https://www.osbckansas.org/

Agency for Handling Complaints
Office of the State Bank Commissioner
Attn: Complaints
700 SW Jackson, Suite 300
Topeka , KS 66603
(785) 296-2266
https://www.osbckansas.org/consumers/complaints.html

 

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Kansas Payday Lenders (KS) by City

Abilene
Arkansas City
Atchison
Augusta
Baxter Springs
Bonner Springs
Chanute
Coffeyville
Columbus
Derby
Dodge City
El Dorado
Emporia
Fort Scott
Garden City
Gardner
Great Bend
Hays
Hutchinson
Independence
Junction City
Kansas City
Lansing
Lawrence
Leavenworth
Lenexa
Liberal
Manhattan
McPherson
Mission
Newton
Olathe
Ottawa
Overland Park
Paola
Parsons
Pittsburg
Prairie Village
Roeland Park
Salina
Shawnee
Topeka
Wellington
Wichita
Winfield

Kansas Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, Housing and Credit Counseling, Inc. is a leading provider of financial counseling services in Kansas.