Kansas Payday Loans

Are Payday Loans Legal in Kansas?

Yes, payday loans are legal in Kansas, but the state has rules to limit their risks. Kansas allows short-term payday loans (also called deferred deposit loans) of up to $500, with loan terms ranging from 7 to 30 days. Lenders can charge a maximum fee of 15%, meaning a $500 loan would cost $75 in fees. While this might seem reasonable, the APR for a two-week loan can reach 391%, making payday loans very expensive if not repaid on time.

Kansas requires lenders to be licensed and use a statewide database to track loans preventing borrowers from taking out multiple payday loans at the same time.

If you take out three back-to-back payday loans, the state enforces a 7-day waiting period (cooling-off period) before you can borrow again. If you can’t repay on time you can request a one-time extended payment plan per year, to get up to 90 extra days to pay without additional fees.

Who Can Get a Payday Loan in Kansas?

To qualify for a payday loan in Kansas, you must meet the following requirements:

Eligibility Criteria:

• Be at least 18 years old (must provide a government-issued ID)
• Be a U.S. citizen or legal resident
• Have a steady source of income (employment, government benefits, or another verifiable source)
• Have an active checking account (used for loan deposits and repayments)
• Provide a valid phone number and email address for communication

LendUp's Tip: Be aware that kansas tracks payday loans through a statewide database to prevent borrowers from taking out multiple loans at once.

What If I Need a Loan for a Longer Period in Kansas?

If you need more time to repay a loan in Kansas, an installment loan can be a better option than a short-term payday loan. These loans let you borrow more money, typically $2,500 or more and repay it over 3 to 12 months (sometimes longer), breaking the cost into smaller monthly payments instead of requiring full repayment in a few weeks.

Kansas allows licensed lenders to offer installment loans, but state laws cap interest rates to keep costs lower than payday loans. Loans under $2,500 have a 30% APR cap while larger loans are capped at 24% APR. Compared to payday loans, which can reach 391% APR, installment loans are a much more affordable way to borrow money.

How Fast Can I Get a Payday Loan in Kansas?

You can usually get a payday loan in Kansas the same day or by the next business day depending on the lender and how you apply. Online payday lenders tend to be the fastest often providing instant approval decisions and funding within 24 hours if you apply early in the day. Some even offer same-day cash if your bank supports instant transfers.

If you apply in person at a payday loan store you might be able to walk out with cash the same day as long as you bring the required documents, like a valid ID, proof of income, and an active checking account.

If you apply late in the afternoon or on a weekend, or your bank's processing times are slower, you may have to wait until the next business day to get your money.

Can I Get a Payday Loan with Bad Credit in Kansas?

Yes, you can get a payday loan in Kansas even with bad credit. Payday lenders in Kansas generally don’t check traditional credit scores (like FICO) when approving loans. Instead they focus on your income and ability to repay the loan. To qualify, you’ll need proof of steady income (from a job, benefits, or other sources), a valid Kansas ID, and an active checking account.

Are There Guaranteed Approval Payday Loans in Kansas?

No, there are no truly "guaranteed approval payday loans" in Kansas. While some lenders advertise "no denial" promises, legit payday lenders in Kansas always check basic requirements like your income, residency, and banking activity before approving a loan. Kansas law requires lenders to verify your ability to repay and use a statewide database to make sure you don’t have multiple loans at once.

LendUp's Tip: Always verify a lender’s license through the Kansas Office of the State Bank Commissioner. Avoid anyone claiming "no credit check" or "guaranteed approval" - these may be scams or illegal lenders bypassing Kansas’ consumer protections.

How Expensive are Payday Loans in Kansas

Here are estimated costs for payday loans in Kansas, based on the maximum 15% fee per loan.

Kansas Payday Loan Cost Examples

Loan Amount	Loan Term	Fee (15%)	Total Repayment	Estimated APR
$100	14 Days	$15	$115	391%
$250	14 Days	$37.50	$287.50	391%
$500	14 Days	$75	$575	391%
$500	30 Days	$75	$575	195%

Kansas Payday Loan Regulations (Verified 02.2025)

Here are the main rules and restrictions for payday loans in Kansas:

Legal Status	Legal
Regulating Law	Kansas Deferred Deposit Loan Act
Maximum Loan Amount	$500
Loan Term	7 to 30 days
Maximum Fees	15% of the loan amount
APR Estimate	Up to 391% for a 14-day loan
Rollovers	Not allowed
Cooling-Off Period	7-day waiting period after 3 consecutive loans
Extended Payment Plan	Available once per year (up to 90 extra days, no extra fees)
License Requirement for Lenders	Must be licensed by the Kansas Office of the State Bank Commissioner
Collection Restrictions	No criminal charges for non-payment

Why Use LendUp for Payday Loans in Kansas?

LendUp makes it fast and easy to find a payday loan in Kansas, even if you have bad credit. Instead of applying with multiple lenders one by one our loan-matching service connects you with multiple lenders at once, giving you a higher chance of approval and more options to choose from.

Speed is one of the biggest advantages. You can apply online in just a few minutes, get an instant decision and if approved, receive funds as soon as the same day or the next business day.

Even if you have less-than-perfect credit, LendUp works with lenders that consider more than just your credit score. As long as you have a steady income and an active checking account, you have a good chance of getting approved.