Kansas defines payday loans as advances of $500 or less, with a 7–30 day term and one expected repayment. A supervised lender may charge up to 15% of the advance; OSBC gives a $100, 14-day example at about 391% APR.
Kansas restricts outstanding and repeat payday loans and provides an extended payment plan by request before the due date. Ask in writing before the last business day and review the installment amounts and dates.
Use OSBC consumer resources to verify the lender and applicable loan category. If contract terms or collection conflict with disclosures, contact the Office with the signed agreement and payment history.
Official reference: Kansas OSBC — Consumer FAQs. Checked November 11, 2026.