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Kansas · checked October 24, 2026

Payday loans in Kansas: the rules and your way out

Payday loans allowed, with limits

Kansas allows single-payment payday loans of up to $500 for 7 to 30 days at up to 15% of the cash advance, with a once-a-year free extended payment plan.

Law: K.S.A. 16a-2-404 (Kansas Uniform Consumer Credit Code); K.S.A. 16a-2-501(1)(e). Kansas Revisor of Statutes, current text. Last amended L. 2024, ch. 6, sec. 52, effective January 1, 2025.

Kansas's rules, line by line

Largest loan
$500 cash advance (K.S.A. 16a-2-404(1)(c)).
Shortest term
7 days (16a-2-404(2)).
Longest term
30 days (16a-2-404(2)).
Fee or rate cap
An amount not to exceed 15% of the amount of the cash advance (16a-2-404(1)). After maturity, a contract rate of no more than 3% per month of the loan proceeds (16a-2-404(5)). No insurance or other charges except as stated in the statute (16a-2-404(5)).
Renewals and rollovers
A loan may not be repaid with the proceeds of another payday loan from the same lender or a related interest (16a-2-404(6)).
Waiting period between loans
No more than three loans to one borrower from the same lender and related interests within a 30-calendar-day period (16a-2-404(3)).
Loans at once
2 with the same lender and its related interests (16a-2-404(3)).
Payment plan if you cannot pay
Yes. A consumer who cannot repay may elect an EPP once every 12 months, measured from payoff of the prior EPP. The consumer must ask before close of business on the last business day before the due date and sign an amendment. The plan has at least 4 substantially equal installments due on or after paydays, or at least two weeks apart if there is no regular income. No interest or extra fees while in compliance, and prepayment is allowed. No new payday loan may be made during the plan. Lenders must post and disclose that EPPs are available (16a-2-404(7)).
State loan database
No statewide database. Each lender must keep a journal of each borrower's loans (16a-2-404(3)).
Limits on collection
One return check charge for an insufficient check (16a-2-404(8)), capped at $30 for an insufficient payment method (16a-2-501(1)(e)). Lenders may not use or threaten the criminal process in any state to collect (16a-2-404(11)(b)). The check must be stamped 'Negotiated as part of a loan made under K.S.A. 16a-2-404. Holder takes subject to claims and defenses of maker. No criminal prosecution.' (16a-2-404(8)). No hold harmless or confession-of-judgment clauses, and no waivers of claims or defenses (16a-2-404(11)(d)).
Other rights
Right to rescind without cost by the end of the business day after the loan by telling the lender and returning the cash principal; the lender refunds any fees (16a-2-404(10)). Ability to repay is a factor in whether a loan is unconscionable (16a-2-404(9)). Lenders may not sell other products in connection with the loan (16a-2-404(11)(c)).

If you are behind on a payday loan in Kansas

  1. Ask for the payment plan before the due date. Kansas law gives borrowers a way to repay in installments. The details are in the table above. Ask in writing and keep a copy.
  2. Stop the automatic withdrawals if they are emptying your account. You can revoke the lender's permission to debit your account and tell your bank. How to do it.
  3. Look at a credit union payday alternative loan. Federal credit unions can lend $200 to $2,000 at much lower cost. How they work.
  4. Talk to a nonprofit credit counselor. A counselor can look at all your bills, not just this one. How to find a real one.

Check a lender, or report one

Sources

This page summarizes the law; it is not legal advice. Laws change, and the statute and regulator control. If something here is out of date, write to hello@paydayloan.help.

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