Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Kansas.
Kansas Payday Loan Laws
Legislation State Information
Payday Loan Legal Status: Legal
Citation:
Kan. Stat. Ann. § 16a-2-404
Payday Loan Terms:
Maximum payday Loan Amount: $500
Payday Loan Term: 7-30 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 payday loan – $15
APR for 14-day $100 payday loan: 390%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: Two
Rollovers Permitted: Not Specified
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: One NSF fee
Criminal Action: Prohibited
Regulator: Office of the State Bank Commissioner
Address: 700 SW Jackson, Suite 300 Topeka KS 66603
Phone: (785) 296-2266
Fax: (785) 296-0168
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