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

Payday Loans in Kansas

Kansas permits regulated payday loans up to $500 for 7–30 days. The special payday charge is capped at 15% of the cash advance, and the statute also limits concurrent borrowing and requires a no-additional-cost extended payment plan option in specified circumstances.

Kansas legal category: Payday Loan / Short-Term Cash Advance · Kansas Uniform Consumer Credit Code, K.S.A. 16a-2-404

Kansas payday loans at a glance

Legal status
Permitted Regulated
Legal category
Payday Loan / Short-Term Cash Advance
Maximum amount in this regime
$500
Term
7–30 days
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 Current guide

Payday Loans in Kansas

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

$500–$5,000

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.

See Installment Loans

Amount and term limits

Kansas permits the special payday-loan charge structure only when the cash advance is $500 or less and the other statutory payday conditions are satisfied.

The payday-loan term must be at least 7 days and no more than 30 days.

Interest, fees and repayment

The 15% charge is the statutory ceiling for the qualifying payday transaction. The page does not treat that ceiling as typical lender pricing.

The lender may charge no more than 15% of the cash advance under K.S.A. 16a-2-404. After maturity, the contract rate may not exceed 3% per month of the loan proceeds.

The original transaction anticipates a single payment. An eligible consumer who cannot repay when due may elect an extended payment plan once every 12 months, requested before the due date, with at least four substantially equal installments and no additional interest or fees while the plan is honored.

Rollovers, refinancing and early payment

Rollover allowed?
No
A payday loan may not be repaid with proceeds of another payday loan from the same lender or related interest. Kansas also limits concurrent and recent payday transactions.
Prepayment penalty allowed?
No
A consumer may prepay an extended payment plan in full at any time without penalty.

Kansas borrower protections

  • Payday cash advance is capped at $500.
  • The term is limited to 7–30 days.
  • The statutory payday charge is capped at 15% of the cash advance.
  • A lender and related interest may not have more than two payday loans outstanding to the same borrower and may not make more than three within a 30-day period.
  • A payday loan cannot be repaid with proceeds of another payday loan from the same lender or related interest.
  • An eligible extended payment plan must provide at least four substantially equal installments without additional interest or fees while the consumer complies with the plan.

Kansas loan cost calculator

This calculator is an educational illustration based on the structured rules shown on this page. A statutory ceiling is not a typical market price or an offer from a lender.

How to verify a lender in Kansas

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

Supervised Lender license for non-exempt entities making supervised/payday loans

Verify a lender license

Official sources

  1. K.S.A. 16a-2-404 — Payday Loans · primary
  2. Kansas OSBC — Supervised Lender License · primary
  3. 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.