Payday loans in Kansas: what the law allows

Yes. Kansas allows payday loans up to $500, with a fee limit of 15% of the amount of the loan. Kansas allows car title loans.

Kansas

Payday loans

Allowed

Car title loans

Allowed

“The loan amount is equal to or less than $500 The payment term is between 7 and 30 days The lender anticipates a single repayment.”

Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.

Before you borrow

A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.

Already behind on a payday loan?

See every way out of the debt you have, including options nobody sells.

The fee, the APR and what renewing the loan adds up to.

Credit union PAL limits, payment and cost next to a payday loan.

Every way to cover a shortfall, priced in dollars, cheapest first.

The warning signs of a fake loan offer, checked one by one.

Are payday loans legal in Kansas?

Yes. Kansas allows payday loans up to $500, with a fee limit of 15% of the amount of the loan.

Are car title loans legal in Kansas?

Kansas allows car title loans.

How do I check a lender's license in Kansas?

Look the lender up with Kansas Office of the State Bank Commissioner (OSBC), which licenses lenders in Kansas.

Do these rules protect service members?

Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.

Information, not legal advice. Laws change; confirm with the state regulator.