Personalloaner

Kansas lending rules

Personalloaner covers 625 Census places in Kansas, which together hold an estimated 2,445,658 people. Licensed lenders set personal-loan terms here under Kansas law, and the sourced rules below reach every borrower in the state.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Key rules for borrowers in Kansas

RuleDetailSource
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

Places we cover in Kansas

The Census Bureau counts 625 places in Kansas, and the largest are linked below.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

How high can interest rates legally go in Kansas?
The answer turns on the product and on which statute applies to it. This page's table sets out Kansas's usury cap and licensing rules, and each row carries its publisher and a link to the primary source.
What is Kansas's position on payday lending?
Each state handles payday lending on its own: some permit it, some cap it, some prohibit it. The sourced row on this page gives Kansas's current position.
How do I know a lender is licensed in Kansas?
Consumer lenders generally need a licence issued by the state regulator identified on this page. Verify that licence with the regulator before you commit to anything.

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