Cash Advance Kansas


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Kansas cash advances and payday loans

Kansas legislators seem to always be clashing over cash advance regulations. Some side with the lenders and push for fewer state-mandated regulations. Others want the rates capped at amounts low enough to persuade lenders to move out of the state. This argument can create a confusing climate for borrowers, who might have difficulty figuring out where to find the most recent cash advance laws. And once the laws are finally found, they can be difficult to follow. This is sometimes due to the fact that many of the statutes are the direct result of a compromise between legislators that do or don’t want cash advance lenders operating inside their state. Thankfully, though, Kansas statutes are pretty clear cut. Let’s check them out. You’ll find some of the major highlights below, but if you’re ready to get started with your loan request right now, head over to our secure loan request form.

Kansas Cash Advance Regulations

The maximum loan amount is $500. The lender is allowed to set the loan term from anywhere between seven and 30 days. It’s up to the lender to decide if you are allowed to extend your loan. That means rollovers are possible, though not guaranteed. The possible finance rate and fees max out at 15-percent. That means if you take out a $100 loan with a 14-day term, there would at most be a $15 finance charge. That would be a 390-percent APR.

You are allowed to take out up to two cash advances at one time. You should be really careful about taking out multiple cash advances, though.

If you are unable to pay off your cash advance and do not choose to extend your loan, you will default on your loan. If this happens the lender is allowed to charge you an NSF fee, although your lender is not allowed to pursue criminal action against you.

Kansas Payday Loan Regulations

If you need money ahead of your next paycheck, you might search for the funding online using a couple of different phrases. Both “payday loans” and “cash advances” are regulated the same. In the eyes of the law, they both fall under the same short-term funding definition.

  • How Payday Loans Work – You agree to pay back money received now with the income you will receive in the near future, usually within the next couple of weeks.
  • Maximum Amount – The limit is $500.
  • Repayment Extensions – The option for a rollover is determined at the lender level and is not prohibited by the state.

Kansas State Economy

Most, if not all, lenders require you to be employed or have a regular income to qualify for a cash advance. In May 2015, the unemployment rate in Kansas was 4.4-percent. That’s down from the state high, which was 7.3-percent in September 2009. The all-time low was 2.9-percent back in August 1978.

A cash advance can be a temporary solution for your short-term debt. Just make sure you know the latest rules and regulations for your state.


* strives to present accurate information on each state’s regulations; however, we do not guarantee accuracy of data as presented. Please contact your state’s department of finance or visit your state’s official website for the most accurate information and inquiries. You can find your state’s site here:

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