Permitted Regulated Verified 2026-09-06 · ver. 0.2.3 How we verify these rules

Installment Loans in Kansas

Kansas permits regulated closed-end consumer installment loans under the UCCC. Current law caps the periodic finance charge at 36% per annum and limits prepaid finance charges to the lesser of 2% of the amount financed or $300, while small supervised loans have additional repayment-schedule rules.

Kansas legal category: Consumer Loan / Supervised Loan · Kansas Uniform Consumer Credit Code (UCCC)

Kansas installment loans at a glance

Legal status
Permitted Regulated
Legal category
Consumer Loan / Supervised Loan
Maximum amount in this regime
Kansas UCCC consumer-loan coverage is broader than the current PLS Cash Advance selector. This page routes $500–$5,000 to the supervised/consumer-loan framework and does not assert $5,000 as a statutory maximum.
Term
For supervised closed-end loans of $1,000 or less that are payable in more than one payment, K.S.A. 16a-2-308 requires substantially equal periodic installments and a term no longer than 25 months. The same section does not impose that 25-month ceiling on the full $1,000–$5,000 site range.
Regulator
Kansas Office of the State Bank Commissioner (OSBC)
Verified
2026-09-06

Choose a loan type by amount

PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.

$200–$500

Payday Loans in Kansas

Preferred routing for Kansas short-term payday requests within the statutory $500 ceiling.

See Payday Loans

$500–$5,000 Current guide

Installment Loans in Kansas

Preferred routing for larger or multi-payment requests after the $500 payday ceiling. $5,000 is the site selector boundary, not the UCCC’s statutory maximum.

Amount and term limits

Kansas UCCC consumer-loan coverage is broader than the current PLS Cash Advance selector. This page routes $500–$5,000 to the supervised/consumer-loan framework and does not assert $5,000 as a statutory maximum.

For supervised closed-end loans of $1,000 or less that are payable in more than one payment, K.S.A. 16a-2-308 requires substantially equal periodic installments and a term no longer than 25 months. The same section does not impose that 25-month ceiling on the full $1,000–$5,000 site range.

Interest, fees and repayment

The 36% ceiling cited here is for closed-end consumer loans under the current UCCC provision. Open-end credit and exempt/specialized transactions can follow different rules.

Current Kansas closed-end consumer-loan law permits a periodic finance charge calculated by the actuarial method up to 36% per annum. Prepaid finance charges are limited to the lesser of 2% of the amount financed or $300.

Closed-end installment schedules depend on the amount and contract. For supervised loans of $1,000 or less with more than one payment, Kansas requires substantially equal installments at equal intervals, subject to an irregular-income exception.

Rollovers, refinancing and early payment

Rollover allowed?
Not reduced to a yes/no rule
Consumer installment loans use refinance/consolidation rules rather than the payday prohibition on same-lender reborrowing.
Prepayment penalty allowed?
No
K.S.A. 16a-2-509 gives a consumer the right to prepay the unpaid balance of a consumer credit transaction in full at any time without penalty, subject to the Code’s separate minimum-charge/rebate rules.

Kansas borrower protections

  • Closed-end consumer-loan periodic finance charges are capped at 36% per annum under the current UCCC provision.
  • Prepaid finance charges are capped at the lesser of 2% of amount financed or $300.
  • Supervised loans require appropriate lender authority unless an exemption applies.
  • For supervised loans of $1,000 or less with multiple payments, repayment generally must use substantially equal periodic installments and may not exceed 25 months.
  • Consumers have a statutory right to prepay a covered consumer credit transaction in full without penalty, subject to separate minimum-charge/rebate provisions.
  • Kansas OSBC provides license-lookup resources and points consumers to NMLS for many nonbank financial companies.

Kansas loan cost calculator

Why there is no single statutory calculator: Kansas closed-end consumer lending combines a 36% annual finance-charge ceiling, prepaid-finance-charge limits and amount-specific repayment rules. A generic payment calculator could illustrate payments but would not by itself establish statutory compliance.

How to verify a lender in Kansas

Regulator: Kansas Office of the State Bank Commissioner (OSBC).

Supervised Lender license for a non-exempt person in the business of making supervised loans

Verify a lender license

Official sources

  1. K.S.A. 16a-2-401 — Finance Charge for Consumer Loan · primary
  2. K.S.A. 16a-2-308 — Regular Schedule of Payments · primary
  3. K.S.A. 16a-2-301 — Authority to Make Supervised Loans · primary
  4. K.S.A. 16a-2-509 — Right to Prepay · primary
  5. Kansas OSBC — Consumer & Mortgage Lending Applications and Supervised Lender License · primary
  6. Kansas OSBC — License Lookup · primary

Last regulatory verification: 2026-09-06. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.