Personal loans in Kansas
Consumer lending in Kansas is regulated by the Kansas Office of the State Bank Commissioner. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Kansas
| Payday lending | Permitted and regulated — maximum loan amount: Cash advance equal to or less than $500; maximum loan term: Minimum term is seven days and the maximum term is 30 days. Finance charges: A licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance. The contract rate of any loan made under this section shall not be more than 3% per month of the loan proceeds after the maturity date. No insurance charges or any other charges of any nature whatsoever shall be permitted, except returned check fees, including any charges for cashing the loan proceeds if they are given in check formSource: National Conference of State Legislatures · as of 2023 |
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| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Kan. Stat. Ann. §§ 16a-2-401 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 10% (K.S.A. § 16-201); 15% for parties to any bond, bill, promissory note (K.S.A. § 16-207). Finance rates and fees for licensed lenders: 36% per annum on the portion not exceeding $860 21% per annum on the portion exceeding $860. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Kansas are licensed and supervised by the Kansas Office of the State Bank Commissioner.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Kansas Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Kansas Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Kansas Office of the State Bank Commissioner; consumers can file complaints with the Kansas Office of the State Bank Commissioner or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Kansas
WichitaOverland ParkKansas CityTopekaOlatheLawrenceShawneeLenexaManhattanSalinaHutchinsonLeavenworthLeawoodGarden CityDodge CityDerbyEmporiaGardnerJunction CityPrairie VillageHaysPittsburgLiberalNewtonAndoverGreat BendMcPhersonEl DoradoOttawaArkansas CityWinfieldLansingMerriamHaysvilleAtchisonMissionParsonsAugustaCoffeyvilleChanuteIndependenceValley CenterFort RileySpring HillBonner SpringsPark CityWellingtonFort ScottRoeland ParkBasehorPrattAbileneEudoraDe SotoUlyssesPaolaMulvaneMaizeColbyTonganoxieIolaConcordiaLouisburgBaldwin CityEdwardsvilleGoddardRose HillRussellWamegoOsawatomieScott CityHugotonFairwayClay CenterBaxter SpringsHesstonGoodlandLarnedLyonsMission HillsLindsborgMarysvilleFrontenacHoltonHiawathaBeloitGarnettKingmanEllsworthKechiColumbusOsage CityOaklawn-SunviewNortonSouth HutchinsonHillsboroGalenaSt. MarysHoisingtonGirardBurlingtonSabethaClearwaterSterlingHolcombHalsteadEurekaCherryvaleNeodeshaCouncil GrovePhillipsburgCheneyHeringtonAnthonyFredoniaEllisEllinwoodHumboldtCimarronBellevilleSenecaWellsvilleOakleyNorth NewtonWaKeeneyMinneapolisEdgertonPlainvilleMoundridgeMarionLakinWestwoodOberlinMcConnell AFBHortonGrandview PlazaOswegoDouglassTowandaOgdenElkhartHill CityPleasantonSyracuseSedgwickLeotiStocktonCaneyOsborneYates CenterSilver LakeInmanConway SpringsHavenSmith CenterBelle PlaineLa CygneErieKinsleyWathenaSubletteMeadeColwichArmaMedicine LodgeJohnson CityCarbondaleSt. FrancisNess CityHoxieLa CrossePerryHarperPeabodySt. JohnPlainsBuhlerAndaleRileyAtwoodSt. GeorgeValley FallsGalvaChapmanLincoln CenterLyndonAuburnChetopaBlue RapidsRossvilleHighlandElwoodAltamontMcLouthSolomonWashingtonPomonaVictoriaWhitewaterWakefieldOxfordGarden PlainSpearvilleOskaloosa
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