Personal loans in Lawrence, KS

Most people searching for a personal loan in Lawrence want a fixed monthly payment they can plan around. How much a lender in Kansas can charge is governed by state statute and supervised by a state regulator. Because the rules are set at state level, the same loan amount can cost different amounts depending on where you live. Enter your own numbers rather than relying on an advertised example rate. Nothing on this page is a loan offer, and no figure here is a quote.

Consumer loans made in Lawrence are governed by Kansas state law.

What to know before you borrow in Kansas

Payday lendingPermitted 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.Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensingConsumer lenders must obtain a state license (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.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulatorConsumer 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

See all Kansas lending rules →

Compare offers in Lawrence

Start with the personal loan calculator to see your monthly payment and total interest, then check that the payment fits your budget with the debt-to-income calculator.

If you are weighing more than one offer, the loan comparison calculator shows which costs less over the full term.

Compare personal loan offers in Lawrence

Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.

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Frequently asked questions

Will applying for a loan in Lawrence affect my credit score?

A pre-qualification check is typically a soft inquiry and does not affect your score. A full application is usually a hard inquiry, which can have a small, temporary effect.

What should I compare between two loan offers in Lawrence?

Compare the APR rather than the interest rate, the term, any origination fee, and whether there is a prepayment penalty. The total amount repaid is the clearest single number.

Are payday loans available in Kansas?

Kansas has its own rules for short-term credit, which the sourced table above describes. Where a state restricts a product, lenders either change the terms or stop offering it locally.

Where can I check that a lender serving Lawrence is legitimate?

The consumer lending regulator named in the table above publishes licence lookups. Checking a lender's licence before you share personal details is a reasonable precaution.

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