Get a Loan Fast!
How much do you need?
  • Your data is safe and secure
  • Zero up front fees or costs
  • Quick, secure and hassle-free online form
  • Paid directly to your bank account fast

Apply For Online Payday Loans in Kansas (KS) and Topeka, Get Same Day Approval From Direct Lender and Receive Funds in 24 Hours

Payday Loans in Kansas

What are your options when you run out of cash before your next paycheck? If you have an emergency expense to settle, you can apply for a cash advance through AdvanceSOS. This gives you the cash you need to settle your financial emergency before your next paycheck comes in. Whether you’re in Kansas City, Topeka, Wichita, Hutchinson, Lawrence, Salina, Manhattan or anywhere in Kansas, you can find the right loan until payday for you with AdvanceSOS.

Residents of Kansas in need of money to pay for emergency expenses can receive a maximum loan amount of $500 from a payday lender through a quick and easy online process.

Can I Get a Payday Loan in Kansas on the Same Day?

Yes, just like Maine and several other US states, you can get same-day payday loans in Kansas.
Once you meet all the basic requirements to qualify for a loan, a payday loan provider will send you a loan offer within a few hours of your application. The funds will be sent to your bank account within one business day once you consent to the loan agreement. 

How Many Payday Loans Can You Have in Kansas?

Unlike Idaho, where there is no limit to the number of loans you can take, you can only have two outstanding payday loans at a time in Kansas. According to the laws regulating cash advances in Kansas, a lender is not allowed to give you more than $500 at once as a payday loan. 
Therefore, if you apply for a new loan while you still have two outstanding loans to your name, the lender is obligated to deny your loan application. 

Does Kansas Allow Payday Loans?

Yes, payday lending is legal in the state of Kansas. The law sets a maximum limit of $500 on payday loan offers and a maximum annual percentage rate (APR) of 391%. The minimum duration of cash advances in Kansas is seven days, while the maximum term to repay the loan, according to the law, is 30 days. 
Payday lenders are not allowed to roll over outstanding loans, and they cannot bring criminal actions against borrowers who cannot repay their debt. All the terms of the loan must be clearly stated in the loan agreement with the borrower. 

How to Apply for Kansas Payday Loans?

To apply for fast cash loans in Kansas, you must be above 18 years old, a resident in the state, and have an active bank account. The loan application usually begins with you filling out an online form with a loan broker like AdvanceSOS. 
The information you provide will be used to match you with a loan provider. You’ll receive a loan offer within a few hours of your application. Once you consent to the loan agreement, the funds will be sent to your checking account. The entire process is completed within one business day. 

Can I Get a Payday Loan in Kansas With Bad Credit?

The average credit score in Kansas is 718, which is still reasonably good for payday advance loans. However, even if your credit score is less than this, you can still get a payday loan in Kansas. There are a lot of direct lenders in Kansas City and other places that will offer you a loan regardless of your credit score. 

Can I Get a Payday Loan in Kansas With No Credit Check?

Yes, although doing some sort of check to determine your creditworthiness is necessary, getting small-dollar loans doesn’t require a hard credit check with a credit bureau. Unlike traditional financial institutions, providers of payday advance loans in Kansas use other methods to determine your eligibility for fast cash loans, such as checking your income.

Why Is AdvanceSOS the Best Solution for Online Payday Loans?

– Convenient online application process-get the loan you need without visiting a storefront 
– No credit check – get payday loans regardless of your credit score 
– Trusted lenders – we offer an extensive database of payday legit direct lenders 
– Quick loan approval – get the money you need within 24hrs of applying for a loan
Updated: Mar 1, 2023

What Are The Current Regulations for Payday Loans in Kansas?

Law status legal
MIN Loan Amount None
MAX Loan Amount $500
MIN. Loan Term 7 days
MAX. Loan Term 30 days
MAX APR 390%
Additional fees $15 for every $100 borrowed
NSF fee One per loan
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period Not stated
Rollover None
Extension, repayment plan None
Default penalties Not stated
Credit score requirements Available for Bad Credit
*Information based on our private research and provide average numbers in the state

Where Can We Help You Apply for Loans in Kansas?

AdvanceSOS offers quickly help you find the best loan offers in cities like Kansas City, Topeka, Wichita, Hutchinson, Lawrence, Salina and Manhattan.

Kansas City



Other cities

Abbyville Abilene Admire Agenda
Agra Albert Alden Alexander
Allen Alma Almena Alta Vista
Altamont Alton Altoona Americus
Andale Andover Anthony Arcadia
Argonia Arkansas City Arlington Arma
Arnold Ashland Assaria Atchison
Athol Atlanta Attica Atwood
Auburn Augusta Aurora Axtell
Baileyville Baldwin City Barnard Barnes
Bartlett Basehor Baxter Springs Bazine
Beattie Beaumont Beeler Belle Plaine
Belleville Beloit Belpre Belvue
Bendena Benedict Bennington Bentley
Benton Bern Berryton Beverly
Bird City Bison Blue Mound Blue Rapids
Bluff City Bogue Bonner Springs Bremen
Brewster Bronson Brookville Brownell
Bucklin Bucyrus Buffalo Buhler
Bunker Hill Burden Burdett Burdick
Burlingame Burlington Burns Burr Oak
Burrton Bushton Byers Caldwell
Cambridge Caney Canton Carbondale
Cassoday Catharine Cawker City Cedar
Cedar Point Cedar Vale Centerville Centralia
Chanute Chapman Chase Chautauqua
Cheney Cherokee Cherryvale Chetopa
Cimarron Circleville Claflin Clay Center
Clayton Clearview City Clearwater Clifton
Clyde Coats Coffeyville Colby
Coldwater Collyer Colony Columbus
Colwich Concordia Conway Springs Coolidge
Copeland Corning Cottonwood Falls Council Grove
Courtland Crestline Cuba Cummings
Cunningham Damar Danville De Soto
Dearing Deerfield Delia Delphos
Denison Dennis Denton Derby
Dexter Dighton Dodge City Dorrance
Douglass Dover Downs Dresden
Durham Dwight Easton Edgerton
Edna Edson Edwardsville Effingham
El Dorado Elbing Elk City Elk Falls
Elkhart Ellinwood Ellis Ellsworth
Elmdale Elsmore Elwood Emmett
Emporia Englewood Ensign Enterprise
Erie Esbon Eskridge Eudora
Eureka Everest Fairview Fall River
Falun Farlington Florence Fontana
Ford Formoso Fort Dodge Fort Leavenworth
Fort Riley Fort Scott Fostoria Fowler
Frankfort Franklin Fredonia Freeport
Frontenac Fulton Galena Galesburg
Galva Garden City Garden Plain Gardner
Garfield Garland Garnett Gas
Gaylord Gem Geneseo Geuda Springs
Girard Glade Glasco Glen Elder
Goddard Goessel Goff Goodland
Gorham Gove Grainfield Grantville
Great Bend Greeley Green Greenleaf
Greensburg Greenwich Grenola Gridley
Grinnell Gypsum Haddam Halstead
Hamilton Hanover Hanston Hardtner
Harper Hartford Harveyville Havana
Haven Havensville Haviland Hays
Haysville Hazelton Healy Hepler
Herington Herndon Hesston Hiawatha
Highland Hill City Hillsboro Hillsdale
Hoisington Holcomb Hollenberg Holton
Holyrood Home Hope Horton
Howard Hoxie Hoyt Hudson
Hugoton Humboldt Hunter Hutchinson
Independence Ingalls Inman Iola
Isabel Iuka Jamestown Jennings
Jetmore Jewell Johnson Junction City
Kanopolis Kanorado Kansas City Kechi
Kendall Kensington Kincaid Kingman
Kinsley Kiowa Kirwin Kismet
La Crosse La Harpe Lacygne Lake City
Lakin Lamont Lancaster Lane
Lansing Larned Latham Lawrence
Le Roy Leavenworth Leawood Lebanon
Lebo Lecompton Lehigh Lenexa
Lenora Leon Leonardville Leoti
Levant Lewis Liberal Liberty
Liebenthal Lincoln Lincolnville Lindsborg
Linn Linwood Little River Logan
Long Island Longford Longton Lorraine
Lost Springs Louisburg Lucas Ludell
Luray Lyndon Lyons Macksville
Madison Mahaska Maize Manhattan
Mankato Manter Maple City Maple Hill
Mapleton Marienthal Marion Marquette
Marysville Matfield Green Mayetta Mayfield
Mc Cracken Mc Cune Mc Donald Mc Farland
Mc Louth McConnell AFB McPherson Meade
Medicine Lodge Melvern Meriden Milan
Milford Milton Miltonvale Minneapolis
Minneola Mission Moline Montezuma
Monument Moran Morganville Morland
Morrill Morrowville Moscow Mound City
Mound Valley Moundridge Mount Hope Mulberry
Mullinville Mulvane Munden Murdock
Muscotah Narka Nashville Natoma
Neal Nekoma Neodesha Neosho Falls
Neosho Rapids Ness City Netawaka New Albany
New Cambria New Century Newton Nickerson
Niotaze Norcatur North Newton Norton
Nortonville Norway Norwich Oakley
Oberlin Offerle Ogallah Ogden
Oketo Olathe Olmitz Olpe
Olsburg Onaga Oneida Opolis
Osage City Osawatomie Osborne Oskaloosa
Oswego Otis Ottawa Overbrook
Overland Park Oxford Ozawkie Palco
Palmer Paola Paradise Park
Parker Parsons Partridge Pawnee Rock
Paxico Peabody Peck Penokee
Perry Peru Pfeifer Phillipsburg
Piedmont Pierceville Piqua Pittsburg
Plains Plainville Pleasanton Plevna
Pomona Portis Potter Potwin
Powhattan Prairie View Prairie Village Pratt
Prescott Pretty Prairie Princeton Protection
Quenemo Quinter Ramona Randall
Randolph Ransom Rantoul Raymond
Reading Redfield Republic Rexford
Richfield Richmond Riley Riverton
Robinson Rock Rolla Rosalia
Rose Hill Rossville Roxbury Rozel
Rush Center Russell Sabetha Saint Francis
Saint George Saint John Saint Marys Saint Paul
Salina Satanta Savonburg Sawyer
Scammon Scandia Schoenchen Scott City
Scranton Sedan Sedgwick Selden
Seneca Severy Sharon Sharon Springs
Shawnee Shawnee Mission Silver Lake Simpson
Smith Center Soldier Solomon South Haven
South Hutchinson Spearville Spivey Spring Hill
Stafford Stark Sterling Stilwell
Stockton Strong City Sublette Summerfield
Sun City Sycamore Sylvan Grove Sylvia
Syracuse Talmage Tampa Tecumseh
Tescott Thayer Tipton Tonganoxie
Topeka Toronto Towanda Treece
Tribune Troy Turon Tyro
Udall Ulysses Uniontown Utica
Valley Center Valley Falls Vassar Vermillion
Victoria Viola Virgil Wakarusa
Wakeeney Wakefield Waldo Waldron
Walker Wallace Walnut Walton
Wamego Washington Waterville Wathena
Waverly Webber Weir Welda
Wellington Wellsville Weskan West Mineral
Westmoreland Westphalia Wetmore White City
White Cloud Whitewater Whiting Wichita
Williamsburg Wilmore Wilsey Wilson
Winchester Windom Winfield Winona
Woodbine Woodston Wright Yates Center
Yoder Zenda

    Ask an expert