State reference · KS
Kansas lending rules
Kansas has 625 Census places covered on Paydayloaning, with a combined estimated population of 2,445,658. Payday and small-loan terms in Kansas are set by licensed lenders under state law; the sourced rules below apply to every borrower in the state.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
The verdict
Permitted under license
Source: Kansas Office of the Revisor of Statutes · as of 2026-09-16
- Maximum rate
- 15% per annum (general contract-rate ceiling for written instruments)
- Kansas Office of the Revisor of Statutes
- Licensing
- Supervised lender license required (supervised loans)
- Kansas Office of the Revisor of Statutes
- Regulator
- Kansas Office of the State Bank Commissioner (OSBC)
- Kansas Office of the State Bank Commissioner
Rules are quoted from the cited sources. How payday lending is regulated.
Key rules for borrowers in Kansas
Quoted from the statute, regulator or agency named in each row.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 15% per annum (general contract-rate ceiling for written instruments) Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law". |
Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance". |
Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Supervised lender license required (supervised loans) Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans". |
Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| State lending regulator | Kansas Office of the State Bank Commissioner (OSBC) Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters". |
Kansas Office of the State Bank Commissioner as of 2026-09-16 |
| UCCC consumer loan rate caps | 36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans) Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860". |
Kansas Office of the State Bank Commissioner as of 2026-09-16 |
Cities in Kansas
All Kansas citiesWe cover 625 Census places in Kansas.
Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.