Kansas Payday Loans

It is important to understand the laws surrounding cash advances before taking one out in Kansas. Borrowers can borrow up to $500 in payday loans for a maximum loan period of 30 days. There are no laws that prohibit rolling over a payday loan, or extending it, however. It is against the law for a cash advance lender to charge above 15% interest on the original loan amount. This means that for every $100 borrowed, no more than $15 can be tagged on as a fee. While $15 may not sound like a whole lot, the annual percentage rate is 390%. If a borrower plans to pay back the loan within two weeks to one month, the payday loan rate is reasonable - especially if it means avoiding the high cost of bank fees or late fees tagged onto monthly bills. Extending a payday loan beyond the original loan term can lead to fees really stacking up though, so plan payday loans accordingly.

Aside from the free, there are some other details that Kansas borrowers should know before shopping around for a payday loan. People in the state of Kansas can have up to two payday loans at the same time and will be denied by any payday lenders, like Wichita lenders, after that point. Borrowers are also not allowed to take out more than three payday loans within a 30 day period. Usually lenders are able to check an individual borrower's qualifications based on running his or her social security number through payday lending software.

A practice called loan splitting is against Kansas law. This is when payday loan companies take an existing loan and split it into smaller principal entities, then charge a separate fee on each. The original loan amount and APR must remain intact for the duration of the loan term. It is important for lenders to pay what they owe back to lenders in a timely fashion because these businesses are able to take civil action in the state of Kansas. Criminal prosecution for default, however, has no grounds.

Maximum Principal
Borrowers can take out up to $500.

Length of Loan

The longest term a cash advance loan can carry is 30 days.


There are no laws regarding extensions or rollovers in Kansas.


Payday lenders cannot charge more than 15 percent of the loan in finance charges. A loan of $100 for two weeks carries a maximum $15 charge.


The annual percentage rate for a payday loan of $100 over two weeks is 390 percent.

American Check Casher
2628 South Oliver Street Suite 101
Wichita, KS 67210
American Payday Loans
601 North West Street Suite 210
Wichita, KS 67203
Quick Cash
2710 West Central Avenue
Wichita, KS 67203
Check Cashing Center
2303 South Seneca Street
Wichita, KS 67213
Ace America's Cash Express - Store Locations, Wichita
1535 East Central Avenue
Wichita, KS 67214
A-No 1 Payday Loan South
2020 South Oliver Street
Wichita, KS 67218
A-No 1 Payday Loan East
3111 East Douglas Avenue
Wichita, KS 67211
A-Ok Check Cashing - East Location
1547 South Oliver Street
Wichita, KS 67218
A-Ok Payday Loans Check Cashing
1547 South Oliver Street
Wichita, KS 67218
Recheck Inc
200 West Douglas Avenue
Wichita, KS 67202

Kansas Loan Statistics

Pay Schedule
Average Loan Average Age Weekly Bi-Weekly Monthly Twice Per Month Home Owner Renter