Best Loans in Kansas, Payday, Auto Title Laws 2020

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Last Update: October 20, 2019 Loans By State
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According to Chapter 16a-2-401 of Kansas’ Uniform Consumer Credit Code, closed-end installment loans – excluding mortgages – have APR-caps of 36% for loans of $860 or less and 21% for loans greater than $860. The maximum loan amount is $25,000 and prepaid finance charges are limited to the lessor of 2% of the outstanding balance or $100.

Licensed lenders can also levy a delinquency charge – after the loan is 10 days past due – of 5% of the outstanding balance or $25, whichever is less. However, the charge can only be administered once, regardless of how long the loan is in default.

Other allowable charges include:

  • Fees and taxes.
  • Insurance costs.
  • A bad check charge of no more than $30.

Best Bad Credit Loans in Kansas 2020

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Kansas

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Kansas

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Kansas

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Kansas

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Kansas

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Kansas

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Kansas

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Kansas

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Kansas

Not a direct lender

*OppLoans only offers lines of credit in Kansas.

If you’re struggling to find the right lender, read our complete guide on bad credit loans.

Best Personal Loans for Good Credit in Kansas 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Kansas

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Kansas

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Kansas

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Kansas

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Kansas

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Kansas

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Kansas

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in Kansas

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Kansas

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Kansas

Yes

To see what other great lenders have to offer, check out our full list of recommended lenders.

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Payday Loan Laws in Kansas 2020

Maximum Loan Amount: $500

Minimum Loan Term: 7 days

Maximum Loan Term: 30 days

Maximum Fee: $15% of the outstanding balance

Maximum APR: Averages 391%

Rollovers: Prohibited

Loan Limit: You can only have two payday loans at a time

Payday loans are legal in Kansas.

Chapter 16a-2-404 requires licensed lenders to cap loan amounts at $500 and finance charges cannot exceed 15% of the amount advanced. Borrowers are limited to two payday loans at a time and licensed lenders are prohibited from making three payday loans to the same borrower within a 30-calendar-day period.

Licensed lenders are also required to keep track of each loan transaction and document the following information:

  • The name, address and telephone number of each borrower.
  • The date the loan is made and the date the loan is due.

As well, finalized loan documents must include – in no less than 10-point bold face font – the following disclosure:

  • NOTICE TO BORROWER: KANSAS LAW PROHIBITS THIS LENDER AND THEIR RELATED INTEREST FROM HAVING MORE THAN TWO LOANS OUTSTANDING TO YOU AT ANY ONE TIME. A LENDER CANNOT DIVIDE THE AMOUNT YOU WANT TO BORROW INTO MULTIPLE LOANS IN ORDER TO INCREASE THE FEES YOU PAY.

Before a payday loan is finalized, licensed lenders must also provide the preceding information in both English and Spanish – when necessary – so terms are laid out in the borrower’s preferred language.

Payday Loan Laws in Kansas by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of Kansas.

We haven’t found a significant difference between the payday loan laws in Kansas. If you are with bad credit, here are the laws in Kansas by country.

City Amount Allowed APR Allowed Status
Wichita $500 391% Legal
Overland Park $500 391% Legal
Kansas City $500 391% Legal
Olathe $500 391% Legal
Topeka $500 391% Legal
Lawrence $500 391% Legal
Shawnee $500 391% Legal
Manhattan $500 391% Legal
Lenexa $500 391% Legal
Salina $500 391% Legal
Hutchinson $500 391% Legal
Leavenworth $500 391% Legal
Leawood $500 391% Legal
Dodge City $500 391% Legal
Garden City $500 391% Legal
Emporia $500 391% Legal
Derby $500 391% Legal
Junction City $500 391% Legal
Prairie Village $500 391% Legal
Gardner $500 391% Legal
Hays $500 391% Legal
Pittsburg $500 391% Legal
Liberal $500 391% Legal
Newton $500 391% Legal
Great Bend $500 391% Legal
McPherson $500 391% Legal
El Dorado $500 391% Legal
Andover $500 391% Legal
Ottawa $500 391% Legal
Winfield $500 391% Legal
Arkansas City $500 391% Legal
Lansing $500 391% Legal
Haysville $500 391% Legal
Merriam $500 391% Legal
Atchison $500 391% Legal
Parsons $500 391% Legal
Coffeyville $500 391% Legal
Mission $500 391% Legal
Augusta $500 391% Legal
Chanute $500 391% Legal
Independence $500 391% Legal
Park City $500 391% Legal
Wellington $500 391% Legal
Fort Scott $500 391% Legal
Bonner Springs $500 391% Legal
Bel Aire $500 391% Legal
Fort Riley $500 391% Legal
Roeland Park $500 391% Legal
Pratt $500 391% Legal
Valley Center $500 391% Legal
Eudora $500 391% Legal
Abilene $500 391% Legal
Spring Hill $500 391% Legal
De Soto $500 391% Legal
Mulvane $500 391% Legal
Basehor $500 391% Legal
Ulysses $500 391% Legal
Paola $500 391% Legal
Colby $500 391% Legal
Iola $500 391% Legal
Concordia $500 391% Legal
Tonganoxie $500 391% Legal
Wamego $500 391% Legal
Maize $500 391% Legal
Baldwin City $500 391% Legal
Goodland $500 391% Legal
Edwardsville $500 391% Legal
Russell $500 391% Legal
Louisburg $500 391% Legal
Goddard $500 391% Legal
Osawatomie $500 391% Legal
Clay Center $500 391% Legal
Hugoton $500 391% Legal
Rose Hill $500 391% Legal
Baxter Springs $500 391% Legal
Beloit $500 391% Legal
Scott City $500 391% Legal
Fairway $500 391% Legal
Larned $500 391% Legal
Hesston $500 391% Legal
Lyons $500 391% Legal
Mission Hills $500 391% Legal
Frontenac $500 391% Legal
Lindsborg $500 391% Legal
Marysville $500 391% Legal
Holton $500 391% Legal
Garnett $500 391% Legal
Hiawatha $500 391% Legal
Oaklawn-Sunview $500 391% Legal
Columbus $500 391% Legal
Ellsworth $500 391% Legal

Car Title Loans in Kansas 2020

Car title loans are legal in Kansas.

Loans are characterized as ‘open-end lines of credit,’ so there is no maximum loan amount or maximum APR. However, terms are capped at 30 days.

Alternative Payday Loans in Kansas

As an alternative lender that’s licensed in Kansas, OppLoans offers lines of credit to consumers across the state.

Typical terms are:

  • Origination Fee: 2% of the loan amount.
  • APR: Approximately 160%.
  • Minimum Payment: 4% for monthly loan payments and 9% for bi-weekly or semi-monthly loan payments.
  • Late Payment Charge: No more than 5% of the unpaid balance of the minimum payment.

Credit Unions in Kansas

Name: APR: Amount:
Credit Union of America 6.99%+ $2,500+
Mazuma Credit Union 10.44%+ Up to $40,000

Credit Union of America

At Credit Union of America, you have four unsecured loan options to choose from:

  • Signature Loans are organized in two tiers. For loans of less than $2,500, APRs are as low as 9.00% and terms extend up to 36 months. For loans of $2,500 or more, APRs are as low as 8.50% and terms also extend up to 36 months.
  • Guaranteed Teacher Loans are designed for full-time teachers in Kansas. To qualify, you need to show a copy of your full-time teaching contract, status as an educator in Kansas and allow payroll deductions for loan repayments. You can borrow up to $1,500, terms extend up to 12 months and APRs are as low as 6.99%. However, the rate includes a 5.00% discount for using a CUA checking account with direct deposit; as well, members are only allowed one loan at a time.
  • Healthcare Professional Loans allow you to borrow up to $1,500 and APRs are as low as 6.99%. Terms extend up to 12 months.
  • Laptop Loans are designed specifically for students. You can borrow up to $2,500 and terms extend up to 24 months. APRs are as low as 0.00%, but a co-signer is required for borrowers under the age of 18. To qualify, you need to show a valid student ID, proof of purchase and have approved credit. As well, laptop loans are limited to one per member.

Credit Union of America operates 14 branches across Kansas, with locations in Wichita, Derby, Goddard, Hutchinson as well as others.

Mazuma Credit Union

Mazuma Credit Union offers personal loans of up to $40,000. APRs are as low as 10.44% and terms extend up to 60 months. The non-profit credit union also has a simple, no-hassle application process and loans can be used for nearly any reason.

Mazuma Credit Union operates 2 branches in Kansas, with locations in Overland Park and Olathe.

Best Auto Loans for Bad Credit in Kansas 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Kansas

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Kansas

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Kansas

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Kansas

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Kansas

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Kansas

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Kansas

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Kansas

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Kansas

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Kansas

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Kansas

Yes

Best Auto Loans for Good Credit in Kansas 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Kansas

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Kansas

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Kansas

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Kansas

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Kansas

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Kansas

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Kansas

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Kansas

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Kansas

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Kansas

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Kansas

Yes

All Licensed Credit Unions in Kansas

Name City Size (Millions) Members
MERITRUST CREDIT UNION Wichita $760.04 75970
MAINSTREET CREDIT UNION Lenexa $300.96 57702
GOLDEN PLAINS CREDIT UNION Garden City $373.95 52540
CREDIT UNION OF AMERICA Wichita $394.26 38650
QUEST CREDIT UNION Topeka $258.14 32148
ENVISTA CREDIT UNION Topeka $221.37 32127
MID AMERICAN CREDIT UNION Wichita $167.67 25185
CREDIT UNION OF DODGE CITY Dodge City $61.13 19652
EDUCATIONAL CREDIT UNION Topeka $153.83 19588
HUTCHINSON CREDIT UNION Hutchinson $178.14 17165
CESSNA EMPLOYEES CREDIT UNION Wichita $208.50 14655
KANSAS TEACHERS COMMUNITY CREDIT UNION Pittsburg $67.60 12042
WHITE EAGLE CREDIT UNION Augusta $72.98 11664
FRONTIER COMMUNITY CREDIT UNION Leavenworth $103.64 11492
MIDWEST REGIONAL CREDIT UNION Kansas City $54.01 10367
CENTRAL STAR CREDIT UNION Wichita $69.05 9345
KANSAS STATE UNIVERSITY FEDERAL CREDIT UNION Manhattan $53.25 8560
WICHITA FEDERAL CREDIT UNION Wichita $75.47 8327
FIRST CHOICE CREDIT UNION Wichita $69.23 8290
FARMWAY CREDIT UNION Beloit $75.57 7995
CENTRAL KANSAS CREDIT UNION Hutchinson $32.66 7951
TECU CREDIT UNION Wichita $63.40 7915
ARK VALLEY CREDIT UNION Arkansas City $30.66 7740
CAMPUS CREDIT UNION Wichita $24.77 5081
B&V CREDIT UNION Overland Park $58.97 4854
MEDICAL COMMUNITY CREDIT UNION Wichita $17.96 4800
EMPORIA STATE FEDERAL CREDIT UNION Emporia $51.99 4667
DILLON CREDIT UNION Hutchinson $34.33 4620
MID-KANSAS CREDIT UNION Moundridge $49.94 4548
EQUISHARE CREDIT UNION Wichita $25.54 4249
CATHOLIC FAMILY FEDERAL CREDIT UNION Wichita $25.53 4234
NEW CENTURY CREDIT UNION Topeka $19.51 3889
FREEDOM 1ST FEDERAL CREDIT UNION Mcconnell Afb $31.71 3846
CO-OPERATIVE CREDIT UNION Coffeyville $21.45 3592
PANHANDLE FEDERAL CREDIT UNION Wellington $42.63 3505
K.U.M.C. CREDIT UNION Kansas City $24.56 3441
CREDIT UNION OF EMPORIA Emporia $16.68 3411
KANSAS BLUE CROSS-BLUE SHIELD CREDIT UNION Topeka $28.84 3198
MCPHERSON CO-OP CREDIT UNION Cummings $31.27 2979
UNITED NORTHWEST FEDERAL CREDIT UNION Norton $35.04 2555
KC FAIRFAX FEDERAL CREDIT UNION Kansas City $9.92 2522
SM FEDERAL CREDIT UNION Mission $58.97 2353
U S P L K EMPLOYEES FEDERAL CREDIT UNION Leavenworth $35.16 2306
PARSONS PITTSBURG CREDIT UNION Parsons $12.11 2278
HUTCHINSON GOVERNMENT EMPLOYEES CREDIT UNION South Hutchinson $18.68 2213
RELIANCE CREDIT UNION Kansas City $18.76 2165
SUNFLOWER U P FEDERAL CREDIT UNION Marysville $4.48 1989
AREA CREDIT UNION Kansas City $7.11 1890
K C K FIREMEN & POLICE CREDIT UNION Kansas City $9.89 1881
GARDEN CITY TEACHERS FEDERAL CREDIT UNION Garden City $11.26 1823
SALINA INTERPAROCHIAL CREDIT UNION Salina $17.40 1758
CREDIT UNION OF LEAVENWORTH COUNTY Lansing $6.45 1736
UAW MO-KAN FEDERAL CREDIT UNION Kansas City $5.74 1719
BLUESTEM COMMUNITY CREDIT UNION El Dorado $9.96 1694
ARGENTINE SANTA FE INDUSTRIES CREDIT UNION Kansas City $19.28 1673
TOPEKA CITY EMPLOYEES CREDIT UNION Topeka $9.00 1381
BELL CREDIT UNION Hutchinson $9.33 1342
FARMERS CREDIT UNION Hays $13.65 1335
CROSSROADS CREDIT UNION Goessel $8.78 1299
VETERANS ADMINISTRATION CREDIT UNION Wichita $5.15 1245
TOPEKA POLICE CREDIT UNION Topeka $6.76 1198
TOPEKA POST OFFICE CREDIT UNION Topeka $6.21 1171
JAYHAWK FEDERAL CREDIT UNION Lawrence $2.25 1164
WESLEY MEDICAL CREDIT UNION Wichita $5.35 1132
C & R CREDIT UNION Clay Center $3.20 1050
TOPEKA FIREMEN’S CREDIT UNION Topeka $8.50 985
HEALTH CARE EMPLOYEES CREDIT UNION Kansas City $2.84 978
UNITED CREDIT UNION Ness City $8.10 947
BRADKEN CREDIT UNION Atchison $7.69 931
KANSAS CITY P&G EMPLOYEES CREDIT UNION Kansas City $4.35 920
PEOPLES CHOICE CREDIT UNION Coffeyville $6.67 914
EMPLOYMENT SECURITY EMPLOYEES CREDIT UNION Topeka $1.77 860
BELL-GOVERNMENT CREDIT UNION Dodge City $5.55 828
RIVER CITIES COMMUNITY CREDIT UNION Atchison $2.13 802
MORTON CREDIT UNION South Hutchinson $3.33 801
SALINA MUNICIPAL CREDIT UNION Salina $1.96 798
CHRIST THE KING PARISH FEDERAL CREDIT UNION Kansas City $2.05 754
ELLSWORTH FEDERAL CREDIT UNION Ellsworth $3.12 751
BONNER SPRINGS FEDERAL CREDIT UNION Bonner Springs $1.81 689
SALINE COUNTY TEACHERS CREDIT UNION Salina $2.76 669
KANSAS AIR GUARD CREDIT UNION Topeka $5.34 659
HUTCHINSON POSTAL & COMMUNITY CREDIT UNION Hutchinson $3.52 649
WAKARUSA VALLEY CREDIT UNION Lawrence $3.26 636
ELLIS CREDIT UNION Ellis $5.56 611
EAGLE FEDERAL CREDIT UNION Atchison $1.62 551
ARK CITY TEACHERS CREDIT UNION Arkansas City $3.51 527
TRI-COUNTY CREDIT UNION Grinnell $2.85 521
ENTERPRISE CREDIT UNION Enterprise $1.81 515
VICTORIA COMMUNITY CREDIT UNION Victoria $0.64 440
W. N. M. H. CREDIT UNION Winfield $1.13 433
SALINA RAILROAD CREDIT UNION Salina $0.56 429
BP ULYSSES FEDERAL CREDIT UNION Ulysses $1.69 359
UNIVERSAL CREDIT UNION Independence $0.91 293
HUTCHINSON NEWS CREDIT UNION Hutchinson $1.60 277
QUINDARO HOMES FEDERAL CREDIT UNION Kansas City $1.28 270
MID PLAINS CREDIT UNION Glasco $0.90 218
KAN COLO CREDIT UNION Hoisington $0.68 167
HOLY NAME CREDIT UNION Coffeyville $0.48 166
SUNFLOWER FEDERAL CREDIT UNION Wichita $0.44 149
CATHOLICS UNITED CREDIT UNION Hutchinson $0.17 114
NORWESCO CREDIT UNION St Francis $0.24 97

Student Loans In Kansas

Kansas Comprehensive Grant

The Kansas Comprehensive Grant is a needs-based scholarship, open to students who enroll full-time at one of Kansas’ 18 private colleges/universities, 6 state universities or Washburn University.

To qualify, you must submit a FAFSA application and list at least one of the eligible institutions. One in three students are granted funding, with awards ranging from $200 to $3,500 for those attending private institutions and $100 to $1,500 for those attending public institutions.

The application deadline is April 1.

Federal Housing Administration (FHA) Loans in Kansas

There are 105 counties in Kansas where residents can apply for FHA loans. The lowest loan amount of $314,827 is available in 100 counties, while the highest loan amount of $648,000 is available in 5 counties.

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Allen County $331,760 $638,100
Anderson County $331,760 $638,100
Atchison County $331,760 $638,100
Barber County $331,760 $638,100
Barton County $331,760 $638,100
Bourbon County $331,760 $638,100
Brown County $331,760 $638,100
Butler County $331,760 $638,100
Chase County $331,760 $638,100
Chautauqua County $331,760 $638,100
Cherokee County $331,760 $638,100
Cheyenne County $331,760 $638,100
Clark County $331,760 $638,100
Clay County $331,760 $638,100
Cloud County $331,760 $638,100
Coffey County $331,760 $638,100
Comanche County $331,760 $638,100
Cowley County $331,760 $638,100
Crawford County $331,760 $638,100
Decatur County $331,760 $638,100
Dickinson County $331,760 $638,100
Doniphan County $331,760 $638,100
Douglas County $331,760 $638,100
Edwards County $331,760 $638,100
Elk County $331,760 $638,100
Ellis County $331,760 $638,100
Ellsworth County $331,760 $638,100
Finney County $331,760 $638,100
Ford County $331,760 $638,100
Franklin County $331,760 $638,100
Geary County $331,760 $638,100
Gove County $331,760 $638,100
Graham County $331,760 $638,100
Grant County $331,760 $638,100
Gray County $331,760 $638,100
Greeley County $331,760 $638,100
Greenwood County $331,760 $638,100
Hamilton County $331,760 $638,100
Harper County $331,760 $638,100
Harvey County $331,760 $638,100
Haskell County $331,760 $638,100
Hodgeman County $331,760 $638,100
Jackson County $331,760 $638,100
Jefferson County $331,760 $638,100
Jewell County $331,760 $638,100
Johnson County $351,900 $676,750
Kearny County $331,760 $638,100
Kingman County $331,760 $638,100
Kiowa County $331,760 $638,100
Labette County $331,760 $638,100
Lane County $331,760 $638,100
Leavenworth County $351,900 $676,750
Lincoln County $331,760 $638,100
Linn County $351,900 $676,750
Logan County $331,760 $638,100
Lyon County $331,760 $638,100
Marion County $331,760 $638,100
Marshall County $331,760 $638,100
Mcpherson County $331,760 $638,100
Meade County $331,760 $638,100
Miami County $351,900 $676,750
Mitchell County $331,760 $638,100
Montgomery County $331,760 $638,100
Morris County $331,760 $638,100
Morton County $331,760 $638,100
Nemaha County $331,760 $638,100
Neosho County $331,760 $638,100
Ness County $331,760 $638,100
Norton County $331,760 $638,100
Osage County $331,760 $638,100
Osborne County $331,760 $638,100
Ottawa County $331,760 $638,100
Pawnee County $331,760 $638,100
Phillips County $331,760 $638,100
Pottawatomie County $331,760 $638,100
Pratt County $331,760 $638,100
Rawlins County $331,760 $638,100
Reno County $331,760 $638,100
Republic County $331,760 $638,100
Rice County $331,760 $638,100
Riley County $331,760 $638,100
Rooks County $331,760 $638,100
Rush County $331,760 $638,100
Russell County $331,760 $638,100
Saline County $331,760 $638,100
Scott County $331,760 $638,100
Sedgwick County $331,760 $638,100
Seward County $331,760 $638,100
Shawnee County $331,760 $638,100
Sheridan County $331,760 $638,100
Sherman County $331,760 $638,100
Smith County $331,760 $638,100
Stafford County $331,760 $638,100
Stanton County $331,760 $638,100
Stevens County $331,760 $638,100
Sumner County $331,760 $638,100
Thomas County $331,760 $638,100
Trego County $331,760 $638,100
Wabaunsee County $331,760 $638,100
Wallace County $331,760 $638,100
Washington County $331,760 $638,100
Wichita County $331,760 $638,100
Wilson County $331,760 $638,100
Woodson County $331,760 $638,100
Wyandotte County $351,900 $676,750

Business Loans in Kansas

If you need a business loan today, the online lenders below offer fast and convenient service:

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Kansas

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Kansas

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Kansas

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Kansas

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Kansas

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Kansas

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Kansas

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Kansas

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Kansas

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Kansas

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Kansas

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Kansas

Yes

However, if you prefer to consult with a lender located in Kansas, consider Strategic Capital:

Strategic Capital

Founded in 2014, Strategic Capital is headquartered in Kansas and offers financing solutions for nearly every business need.

  • Term Loans allow you to borrow up to $1 million, with APRs as low as 5.49%. Terms range from 1 to 5 years and funding normally arrives in 4 to 7 business days. To qualify, you must be in business for at least 2 years, generate at least $20,000 in monthly revenue and have a personal credit score of at least 650.
  • Lines of Credit allow you to borrow up to $250,000 and APRs are as low as 7.99%. Terms range from 6 to 18 months and funds usually arrive in 2 to 3 business days. To qualify, you must be in business for at least 6 months, generate at least $20,000 in monthly revenue and have a personal credit score of at least 620.
  • A Business Cash Advance allows you to borrow up to $1 million, with finance charges of $0.12 to $0.45 per dollar borrowed. Terms range from 3 to 18 months and funds are available in 1 business day. To qualify, you must be in business for at least 6 months, generate at least $10,000 in monthly revenue and have a personal credit score of at least 500.
  • Invoice Factoring Loans allow you to borrow up to $5 million and finance charges start at $0.25% per week. Terms extend up to 120 days (or more) and funds are available in 5 to 10 business days. To qualify, you must be in business for at least 6 months, generate at least $40,000 in monthly revenue and have a personal credit score of at least 530.

To learn more, you can visit Strategic Capital at: 10551 Barkley St. Suite 403, Overland Park, KS 66212. You can also email them at info@capitalwithstrategy.com.

Conclusion

In Kansas, the Uniform Consumer Credit Code requires licensed lenders to cap installment loan APRs at 36% for loans of $860 or less and 21% for loans greater than $860. Payday loans are legal in the state, with amounts capped at $500 and APRs averaging 391%. However, licensed lenders are required to keep a detailed journal of outstanding borrowers and provide written disclosures in either English or Spanish – whichever the borrower prefers. And while car title loans are also legal in Kansas, there is no maximum loan amount or maximum APR. As ‘open-end lines of credit,’ these terms are determined by the borrower and the lender.

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