Loans By State

Best Loans in Kansas, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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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.

CityAmount AllowedAPR AllowedStatus
Wichita$500391%Legal
Overland Park$500391%Legal
Kansas City$500391%Legal
Olathe$500391%Legal
Topeka$500391%Legal
Lawrence$500391%Legal
Shawnee$500391%Legal
Manhattan$500391%Legal
Lenexa$500391%Legal
Salina$500391%Legal
Hutchinson$500391%Legal
Leavenworth$500391%Legal
Leawood$500391%Legal
Dodge City$500391%Legal
Garden City$500391%Legal
Emporia$500391%Legal
Derby$500391%Legal
Junction City$500391%Legal
Prairie Village$500391%Legal
Gardner$500391%Legal
Hays$500391%Legal
Pittsburg$500391%Legal
Liberal$500391%Legal
Newton$500391%Legal
Great Bend$500391%Legal
McPherson$500391%Legal
El Dorado$500391%Legal
Andover$500391%Legal
Ottawa$500391%Legal
Winfield$500391%Legal
Arkansas City$500391%Legal
Lansing$500391%Legal
Haysville$500391%Legal
Merriam$500391%Legal
Atchison$500391%Legal
Parsons$500391%Legal
Coffeyville$500391%Legal
Mission$500391%Legal
Augusta$500391%Legal
Chanute$500391%Legal
Independence$500391%Legal
Park City$500391%Legal
Wellington$500391%Legal
Fort Scott$500391%Legal
Bonner Springs$500391%Legal
Bel Aire$500391%Legal
Fort Riley$500391%Legal
Roeland Park$500391%Legal
Pratt$500391%Legal
Valley Center$500391%Legal
Eudora$500391%Legal
Abilene$500391%Legal
Spring Hill$500391%Legal
De Soto$500391%Legal
Mulvane$500391%Legal
Basehor$500391%Legal
Ulysses$500391%Legal
Paola$500391%Legal
Colby$500391%Legal
Iola$500391%Legal
Concordia$500391%Legal
Tonganoxie$500391%Legal
Wamego$500391%Legal
Maize$500391%Legal
Baldwin City$500391%Legal
Goodland$500391%Legal
Edwardsville$500391%Legal
Russell$500391%Legal
Louisburg$500391%Legal
Goddard$500391%Legal
Osawatomie$500391%Legal
Clay Center$500391%Legal
Hugoton$500391%Legal
Rose Hill$500391%Legal
Baxter Springs$500391%Legal
Beloit$500391%Legal
Scott City$500391%Legal
Fairway$500391%Legal
Larned$500391%Legal
Hesston$500391%Legal
Lyons$500391%Legal
Mission Hills$500391%Legal
Frontenac$500391%Legal
Lindsborg$500391%Legal
Marysville$500391%Legal
Holton$500391%Legal
Garnett$500391%Legal
Hiawatha$500391%Legal
Oaklawn-Sunview$500391%Legal
Columbus$500391%Legal
Ellsworth$500391%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 America6.99%+$2,500+
Mazuma Credit Union10.44%+Up to $40,000

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

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.

All Licensed Credit Unions in Kansas

NameCitySize (Millions)Members
MERITRUST CREDIT UNIONWichita$760.0475970
MAINSTREET CREDIT UNIONLenexa$300.9657702
GOLDEN PLAINS CREDIT UNIONGarden City$373.9552540
CREDIT UNION OF AMERICAWichita$394.2638650
QUEST CREDIT UNIONTopeka$258.1432148
ENVISTA CREDIT UNIONTopeka$221.3732127
MID AMERICAN CREDIT UNIONWichita$167.6725185
CREDIT UNION OF DODGE CITYDodge City$61.1319652
EDUCATIONAL CREDIT UNIONTopeka$153.8319588
HUTCHINSON CREDIT UNIONHutchinson$178.1417165
CESSNA EMPLOYEES CREDIT UNIONWichita$208.5014655
KANSAS TEACHERS COMMUNITY CREDIT UNIONPittsburg$67.6012042
WHITE EAGLE CREDIT UNIONAugusta$72.9811664
FRONTIER COMMUNITY CREDIT UNIONLeavenworth$103.6411492
MIDWEST REGIONAL CREDIT UNIONKansas City$54.0110367
CENTRAL STAR CREDIT UNIONWichita$69.059345
KANSAS STATE UNIVERSITY FEDERAL CREDIT UNIONManhattan$53.258560
WICHITA FEDERAL CREDIT UNIONWichita$75.478327
FIRST CHOICE CREDIT UNIONWichita$69.238290
FARMWAY CREDIT UNIONBeloit$75.577995
CENTRAL KANSAS CREDIT UNIONHutchinson$32.667951
TECU CREDIT UNIONWichita$63.407915
ARK VALLEY CREDIT UNIONArkansas City$30.667740
CAMPUS CREDIT UNIONWichita$24.775081
B&V CREDIT UNIONOverland Park$58.974854
MEDICAL COMMUNITY CREDIT UNIONWichita$17.964800
EMPORIA STATE FEDERAL CREDIT UNIONEmporia$51.994667
DILLON CREDIT UNIONHutchinson$34.334620
MID-KANSAS CREDIT UNIONMoundridge$49.944548
EQUISHARE CREDIT UNIONWichita$25.544249
CATHOLIC FAMILY FEDERAL CREDIT UNIONWichita$25.534234
NEW CENTURY CREDIT UNIONTopeka$19.513889
FREEDOM 1ST FEDERAL CREDIT UNIONMcconnell Afb$31.713846
CO-OPERATIVE CREDIT UNIONCoffeyville$21.453592
PANHANDLE FEDERAL CREDIT UNIONWellington$42.633505
K.U.M.C. CREDIT UNIONKansas City$24.563441
CREDIT UNION OF EMPORIAEmporia$16.683411
KANSAS BLUE CROSS-BLUE SHIELD CREDIT UNIONTopeka$28.843198
MCPHERSON CO-OP CREDIT UNIONCummings$31.272979
UNITED NORTHWEST FEDERAL CREDIT UNIONNorton$35.042555
KC FAIRFAX FEDERAL CREDIT UNIONKansas City$9.922522
SM FEDERAL CREDIT UNIONMission$58.972353
U S P L K EMPLOYEES FEDERAL CREDIT UNIONLeavenworth$35.162306
PARSONS PITTSBURG CREDIT UNIONParsons$12.112278
HUTCHINSON GOVERNMENT EMPLOYEES CREDIT UNIONSouth Hutchinson$18.682213
RELIANCE CREDIT UNIONKansas City$18.762165
SUNFLOWER U P FEDERAL CREDIT UNIONMarysville$4.481989
AREA CREDIT UNIONKansas City$7.111890
K C K FIREMEN & POLICE CREDIT UNIONKansas City$9.891881
GARDEN CITY TEACHERS FEDERAL CREDIT UNIONGarden City$11.261823
SALINA INTERPAROCHIAL CREDIT UNIONSalina$17.401758
CREDIT UNION OF LEAVENWORTH COUNTYLansing$6.451736
UAW MO-KAN FEDERAL CREDIT UNIONKansas City$5.741719
BLUESTEM COMMUNITY CREDIT UNIONEl Dorado$9.961694
ARGENTINE SANTA FE INDUSTRIES CREDIT UNIONKansas City$19.281673
TOPEKA CITY EMPLOYEES CREDIT UNIONTopeka$9.001381
BELL CREDIT UNIONHutchinson$9.331342
FARMERS CREDIT UNIONHays$13.651335
CROSSROADS CREDIT UNIONGoessel$8.781299
VETERANS ADMINISTRATION CREDIT UNIONWichita$5.151245
TOPEKA POLICE CREDIT UNIONTopeka$6.761198
TOPEKA POST OFFICE CREDIT UNIONTopeka$6.211171
JAYHAWK FEDERAL CREDIT UNIONLawrence$2.251164
WESLEY MEDICAL CREDIT UNIONWichita$5.351132
C & R CREDIT UNIONClay Center$3.201050
TOPEKA FIREMEN’S CREDIT UNIONTopeka$8.50985
HEALTH CARE EMPLOYEES CREDIT UNIONKansas City$2.84978
UNITED CREDIT UNIONNess City$8.10947
BRADKEN CREDIT UNIONAtchison$7.69931
KANSAS CITY P&G EMPLOYEES CREDIT UNIONKansas City$4.35920
PEOPLES CHOICE CREDIT UNIONCoffeyville$6.67914
EMPLOYMENT SECURITY EMPLOYEES CREDIT UNIONTopeka$1.77860
BELL-GOVERNMENT CREDIT UNIONDodge City$5.55828
RIVER CITIES COMMUNITY CREDIT UNIONAtchison$2.13802
MORTON CREDIT UNIONSouth Hutchinson$3.33801
SALINA MUNICIPAL CREDIT UNIONSalina$1.96798
CHRIST THE KING PARISH FEDERAL CREDIT UNIONKansas City$2.05754
ELLSWORTH FEDERAL CREDIT UNIONEllsworth$3.12751
BONNER SPRINGS FEDERAL CREDIT UNIONBonner Springs$1.81689
SALINE COUNTY TEACHERS CREDIT UNIONSalina$2.76669
KANSAS AIR GUARD CREDIT UNIONTopeka$5.34659
HUTCHINSON POSTAL & COMMUNITY CREDIT UNIONHutchinson$3.52649
WAKARUSA VALLEY CREDIT UNIONLawrence$3.26636
ELLIS CREDIT UNIONEllis$5.56611
EAGLE FEDERAL CREDIT UNIONAtchison$1.62551
ARK CITY TEACHERS CREDIT UNIONArkansas City$3.51527
TRI-COUNTY CREDIT UNIONGrinnell$2.85521
ENTERPRISE CREDIT UNIONEnterprise$1.81515
VICTORIA COMMUNITY CREDIT UNIONVictoria$0.64440
W. N. M. H. CREDIT UNIONWinfield$1.13433
SALINA RAILROAD CREDIT UNIONSalina$0.56429
BP ULYSSES FEDERAL CREDIT UNIONUlysses$1.69359
UNIVERSAL CREDIT UNIONIndependence$0.91293
HUTCHINSON NEWS CREDIT UNIONHutchinson$1.60277
QUINDARO HOMES FEDERAL CREDIT UNIONKansas City$1.28270
MID PLAINS CREDIT UNIONGlasco$0.90218
KAN COLO CREDIT UNIONHoisington$0.68167
HOLY NAME CREDIT UNIONCoffeyville$0.48166
SUNFLOWER FEDERAL CREDIT UNIONWichita$0.44149
CATHOLICS UNITED CREDIT UNIONHutchinson$0.17114
NORWESCO CREDIT UNIONSt Francis$0.2497

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.

CountySingle 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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