Kansas PERSONAL LOAN RATES AND TERMS:

Personal Loans in Kansas:

Kansas Payday Loan Laws and Kansas Loan Regulations

Legal Status: Legal

Citation: Kan. Stat. Ann. § 16a-2-404


Kansas State Licensed Online Lenders:
CashCentral.com, CashNetUSA.com, CheckCity.com, ChecknGo.com, SpeedyCash.com
Maximum Loan Amount: $500
Loan Term:7-30 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 loan: $15.
APR for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: Not Specified

Collection Limits:
Collection Fees:NSF fee
Criminal Action: Prohibited


State Regulatory Agencies for Payday Loans:

Regulator: Office of the State Bank Commissioner
Address: 700 SW Jackson, Suite 300 Topeka KS 66603
Phone:(785) 296-2266
Fax: (785) 296-0168
Regulatory Contact: Kevin C. Glendening,, Deputy Commissioner, Division of Consumer and Mortgage Lending
Office of the State Bank Commissioner of Kansas
Consumer and Mortgage Company Search
Consumer Services-File a Complaint
Online Resources:
Kansas Deferred Deposit Loans
Kansas Predatory Lending Fact Sheet

The cost of a personal loan:

The cost of a personal loan

Personal Installment Loan Basic Terms:

  • Loan Amount: $1,000 - $10,000
  • Interest Rate: 25% - 95%
  • Lending Period: 12 Months-36 Months
  • Payment Frequency: Bi-Weekly or Monthly
  • The actual APR will be applied based on credit score and repayment history
  • No prepayment penalties or additional charges for early payments
  • The option to pay the loan in full before the due date and only pay the interest rate for the period the loan was outstanding

Installment Loan Examples:

The table below will display a representation of different loans with an annual interest rate of 35%*. Interest rates are set after assessing each customer's credit worthiness through traditional credit checks.

Borrowed Amount Loan Period Monthly Payments Total Payable Amount
$2,000 12 Months $199.93 $2,399.16
$4,000 24 Months $234.07 $5,617.68
$6,000 36 Months $271.41 $9,771.12
$8,000 36 Months $361.89 $13,028.04

* The interest rate displayed in the examples table above is only representative. Not all customers will be eligible for a loan with the lowest interest rate. The APR and loan amount is determined by several factors such as: credit history, employment history, even state law.



Need A Payday Loan or Cash Advance? Get It Today: ⤵

APPLY NOW!