Compare your loan options in Kansas

Do you know how much you can borrow through a payday loan in Kansas and how much you’ll have to pay?

A payday loan, also called a short term loan, can be useful to deal with an emergency cost or just to get through to your next paycheck. The need for payday loans in residents of Kansas is common. If you wish to find out how these loans work, read through the guide below.

MoneyKey Installment Loan

MoneyKey Loans

Apply for a payday loan, installment loan or line of credit conveniently online and enjoy great customer service.

  • Minimum loan amount: $200
  • Maximum loan amount: $1,000 (unless otherwise stated)
  • Turnaround time: As soon as 1 business day*, depending on your bank's policies
  • Loan term: Varies by state
  • Good credit not required
  • Confidential and secure
  • Must have a valid bank account, phone number and email address
  • Must be 18+ years old and have a regular source of income

    Are payday loans legal in Kansas?

    Yes, payday loans in Kansas are legal. It is common for people to refer to these loans as payday advances and cash advances. Kansas Statutes 16a-2-404 and 16a-2-405 govern the functioning of all payday lenders in the state.

    Kansas payday loans laws state that a lender cannot have more than two outstanding loans with a borrower concurrently. A payday lender cannot provide more than three loans to a borrower within a 30-day period. You cannot repay a payday loan using proceeds from another payday loan from the same lender.

    The maximum you can borrow through a payday loan in Kansas is $500.
    Are payday loans legal in Wichita, Kansas?

    A selection of loans you could apply for in Kansas

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated October 18th, 2017
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
    MoneyKey Installment Loan
    Apply for money when you need it and receive your funds as quickly as one business day.
    $1,000 (unless otherwise stated)
    Varies by state
    1 business day*
    You must be a permanent US resident or citizen, at least 18 years old, and have a regular income.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-matching service, even with poor credit history.
    Varies by lender
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    9 to 36 months
    1 business day
    Open only to residents of AL, CA, DE, GA, KS, ID, IL, MO, MS, NM, OH, SC, TN, TX, UT, VA and WI. Must have direct deposit to demonstrate sufficient monthly income.
    HonestLoans Installment Loans
    Get a flexible installment loan with fast funding through one easy online application form.
    Varies by lender
    As soon as one business day
    Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
    NetCredit Installment Loan
    Build a positive credit history with on-time payments and flexible repayment terms. Check your rate without affecting your credit score.
    Varies upon state
    1-3 business days
    Must be 18+ years old, a legal resident of the US and have a Social Security number. Minimum credit score of 550.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    6 months
    As soon as next business day
    Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.

    Compare up to 4 providers

    Ways a Kansas payday loan may help you

    Here’s why you might think about getting a payday loan:

    • Various options. Since payday lending is legal in Kansas, you get a number of options to choose from. These include online and in-store direct lenders, as well as loan matching services.
    • Easy process. You can complete a typical payday loan application in five to 10 minutes. Applying is easy, whether you apply in-store or online. With online applications, you can apply from anywhere as long as you have access to an Internet-connected device.
    • Get funds quickly. Payday lenders don’t follow the same stringent application and underwriting processes as banks, which is why they’re able to process their loans faster. Some payday lenders can give you access to funds on the day you apply, or by the following business day.
    • Poor credit is alright. Getting a conventional loan may not be possible if you have poor or bad creditworthiness. However, you can still consider applying for a payday loan, because payday lenders assess your current financial situation and ability to repay.

    What fees and charges do Kansas payday loans come with?

    When you get a cash advance in Kansas, you have to repay the amount you borrow as well as other costs. Here’s what Kansas payday loans laws say about finance charges:

    • Maximum finance rate and fees. A payday lender cannot charge more than 15% of the advanced amount as fees. The maximum finance charge for a 14-day $100 loan is $15. The maximum APR of a 14-day $100 loan is limited to 390%.
    • Collection fees. The lender can charge one non-sufficient funds (NSF) fee for failure to repay.
    • Rollover fee. State laws do not mention any specific rollover fees. If you don’t repay the loan on time, the lender cannot charge more than 3% of the loan proceeds per month after the date of maturity.

    How can I apply for a Kansas payday loan?

    You can apply for a payday advance in Kansas online or by visiting a store-front. To apply, you’ll have to meet some basic eligibility criteria:

    • You should be at least 18 years of age
    • You should be an American citizen or a permanent resident of the US
    • You should have a regular source of income

    To complete your application successfully, prepare to submit some basic information:

    • Your name, date of birth, social security number and a valid form of ID such as your driver’s license or passport
    • Your residential address, email address and phone number
    • Details about your employment and income
    • If you’re applying online, details of your existing checking account

    Important information about payday loans

    While payday loans can be beneficial for some, they aren’t always the best option for everyone. Follow the link for more information on payday loan alternatives.

    8 alternatives to payday loans

    Have any more questions about Kansas payday loans?

    The minimum term is seven days and the maximum is 30 days.

    Yes, you can, provided you do it before the end of business day following the day the lender disburses the funds.

    You should get in touch with the Office of the State Bank Commissioner.

    Where else are payday loans available?

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    US Payday Loans Offers

    Learn about our information service
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-matching service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.