Loan Rules and Licensed Lenders in Kansas

Complete guide to payday, installment, bad credit, title, and consolidation loan rules in Kansas. See what is legal, what the rate caps are, and how to find a licensed lender.

Call free (800) 236-7761 Toll-free. Weekdays 7am to 10pm, weekends 9am to 6pm Central.

Quick answer

Kansas is served by the Kansas Office of the State Bank Commissioner (OSBC). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Kansas today.

RegulatorKansas Office of the State Bank Commissioner (OSBC)

Phone785-296-2266

ComplaintsFile a complaint

Kansas loan rules at a glance

Payday max amount: $500 maximum cash advance; no more than two such loans outstanding to one borrower at a time
Payday term: Minimum 7 days and maximum 30 days
Payday cost cap: A licensed or supervised lender may charge no more than 15% of the amount of the cash advance; after maturity the contra
Payday licensing: Supervised loan license from the Office of the State Bank Commissioner under the Kansas Uniform Consumer Credit Code (K.
Governing statutes: K.S.A. 16a-2-301, K.S.A. 16a-2-404

Regulator: Kansas Office of the State Bank Commissioner (OSBC) · Phone: 785-296-2266 · Statutes: K.S.A. 16a-2-301, K.S.A. 16a-2-404 · Last verified: 2026-10-08

Loan products in Kansas

The table below summarises each product's legal status and key limits under Kansas law. Click a product to see the detailed guide.

Loan type	Status	Key limits
Payday loans	Restricted	A licensed or supervised lender may charge no more than 15% of the amount of the cash advance; after
Cash advance	Restricted	Same as a payday loan under K.S.A. 16a-2-404 (cash advance of $500 or less, single payment, short te
Title loans	Unclear	Check with the state regulator
Installment loans	Restricted	State limits apply
Bad credit loans	Restricted	Credit history is not a separate statutory product category; the same UCCC ceilings apply.
Debt consolidation	Unclear	Check with the state regulator
Refinance	Unclear	Check with the state regulator

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Cities in Kansas

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