Online Loans in Kansas (2023) – Compare Payday Loan Rates

The Best Loans in Kansas 2023: Compare Loan Rates

Written by: Financer.com

Last updated: February 13, 2023

Financer.com helps you compare online loan rates in Kansas. Compare different loan options in Alabama and read more about the payday loan laws in the state.

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Compare the Best Loans in Kansas for December 2023

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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We found 21 loans

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recommended

Chosen 1,220 times

5.0

Read 2 reviews

recommended

Chosen 1,220 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

5.0

Read 2 reviews

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Borrow up to

$5,000

Estimated Payback

03/06/2024

Weekend Payout

Age

2 Reviews

5.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

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recommended

Chosen 91,394 times

3.5

Read 35 reviews

recommended

Chosen 91,394 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.5

Read 35 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

03/06/2024

Weekend Payout

Age

35 Reviews

3.5

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 31,940 times

4.9

Read 15 reviews

recommended

Chosen 31,940 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 15 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

03/06/2024

Weekend Payout

Age

15 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

Show all 21 offers

How to Compare Loans in Kansas

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Complete the application

Click Get Started and complete your application online

As seen in

Best Rated Personal Loans

Find the best rated lenders for loans in Kansas

4.9

Based on 4 reviews

4.9

Based on 15 reviews

4.8

Based on 4 reviews

4.8

Based on 4 reviews

4.7

Based on 7 reviews

4.6

Based on 20 reviews

4.3

Based on 5 reviews

4.3

Based on 12 reviews

4.3

Based on 39 reviews

4.3

Based on 24 reviews

Kansas Payday Loan Laws

As a resident of Kansas, you want to be aware of all the laws governing payday lending in the state. Know your rights here.

Kansas short term cash advances are still legal in the state, despite a few other states completely banning payday lending. The industry is regulated by the Office of the State Bank Commissioner. This is the legal body that has set up rules and regulations that lenders must follow.

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The Advantages of Online Kansas Loans

Online Personal Loans Are Convenient

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Less Paperwork Required

Kansas Payday Loan Regulations

Legal Status	Legal
Interest Rate (APR)	391%
Max. Loan Amount	$500
Min. Loan Term	7 days
Max. Loan Term	30 days
Number of Rollovers	Not specified
Finance Charges	15% of the amount
Statute of Limitations	5 years (from the last payment)

Updated July 8 2022

Kansas Payday Terms and Conditions

You cannot borrow more than $500
Lenders can charge up to 15% interest
A $100 loan issued for 14 days costs up to 15$ additional fee
Repayment period is no more than 30 days

Before you take out a Kansas payday loan, weigh out the risks and benefits firsts. It is advisable to repay on the due date to avoid automatic rollovers, making you pay more.

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Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

The Legal Proceedings in Case You Fail To Pay

Lenders are strictly prohibited from taking criminal action against borrowers who have failed to repay.

Of course, as a borrower, you have a legal obligation to pay off the loan. However, your failure to pay does not amount to a criminal offense.

Lenders cannot make threat such as sending you to jail or sell off your assets. Any such attempts are considered illegal unless a court order has authorized such actions.

A trustee appointed by the court should implement the orders, not the lender.

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Collection Fees And Rollovers

Kansas payday loans allow lenders to charge a one-time NSF fee. An unlimited number of rollers and renewals are allowed.

This means that there is room for an extension of the loan term if you fail to repay on the due date.

However, this provision means that your loan amount may keep on rolling over.

The main disadvantage of this extension plan is that you could incur extra charges and be trapped in a vicious cycle of debt.

Maximum Number of Loans

The maximum number of outstanding Kansas payday loans at a time is two. A lender may not give out more than 3 loans to a borrower within a 30-day period.

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Compare Kansas Loans at Financer.com

Financer.com helps you compare the best personal loans in Kansas and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in Kansas and take the guesswork out of doing all the legwork yourself.

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Kansas Loans - FAQs

Are payday loans legal in Kansas?

Yes, payday loans are legal in Kansas, up to a maximum of $500.

What are the finance charges of loans in Kansas?

The law permits 15% of the amount advanced, one NSF fee, and 3% per month of the outstanding amount. However, the finance charges should not exceed $15 of the amount advanced

What if I need a larger loan?

You can take out a personal loan for a larger amount and a longer repayment period. Conventional personal loans also come with better interest rates than short-term payday loans.

Is it easy to get a payday loan in Kansas?

Payday loans are typically easier to get approved for, depending on your employment status and credit profile. Keep in mind that a payday loan is a short-term loan that typically comes with high interest rates, so consider whether you need personal loan or a payday loan.