KS state reference
Kansas lending rules
Kansas has 625 Census places covered on Personalloaned, with a combined estimated population of 2,445,658. Personal-loan terms in Kansas are set by licensed lenders under state law; the sourced rules below apply to every borrower in the state.
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- Usury cap 15% per annum (general contract-rate ceiling for written instruments)
- Payday lending Permitted under license (payday cash advances of $500 or less; charge capped at 15%)
- State regulator Kansas Office of the State Bank Commissioner (OSBC)
Sourced rules
Key rules for borrowers in Kansas
| Rule | Detail | Source |
|---|---|---|
| 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 |
Cities in Kansas
We cover 625 Census places in Kansas. The count and the combined population figures are summed from the US Census Bureau's Vintage 2023 subcounty population estimates (retrieved 2026-09-17).
Common questions