✓ Legal & RegulatedReviewed: Aug 2025
KansasLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Kansas. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$500
Typical APR
390% APR
Max Term
30 days
Legal Status
Legal
Kansas Lending Regulator
The Kansas OSBC oversees consumer lending in Kansas, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Kansas is sourced directly from the Kansas OSBC. For the most current requirements, visit: https://www.osbckansas.org/
Current Overview
Kansas payday loans up to $500 with fast online approval. Get matched with licensed lenders in Wichita and across the state.
Legal Status: Legal · APR Range: 390% APR · Max Amount: $500
Kansas Lending FAQ
Are payday loans legal in Kansas?▼
Yes. Payday loans are legal and regulated in Kansas under the oversight of the Kansas OSBC. Current APR range: 390% APR. Maximum loan: $500.
What is the maximum payday loan I can get in Kansas?▼
The maximum short-term loan amount in Kansas is $500. A $500 loan for 14 days in KS costs approximately $75 in fees. APR: 390%.
Who regulates payday lenders in Kansas?▼
The Kansas OSBC is the primary state regulator. You can verify any lender's license at https://www.osbckansas.org/. Unlicensed lenders operating in Kansas are illegal — always verify before borrowing.
What are the alternatives to payday loans in Kansas?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Kansas.