Personal Loans in Kansas
Here's what fees you can expect when obtaining online personal loans in Kansas:
| Personal loan lending status in Kansas: |
Legal |
| Maximum loan amount in Kansas: |
Consumer loans up to the threshold amount under the Kansas Uniform Consumer Credit Code (K.S.A. 16a) |
| APR cap: |
36% a year on closed-end consumer loans; prepaid finance charge limited to the lesser of 2% or $300; late fee the lesser of 5% or $25 (K.S.A. 16a-2) |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
25 months for supervised loans of $1,000 or less |
| Prepayment penalty: |
Prepayment is allowed without penalty |
| State Regulator: |
Kansas Office of the State Bank Commissioner
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Kansas.
Personal Loan Locations in Kansas
LendNation
4.9★★★★☆(1346 reviews)
5358 Independence Ave, Kansas City, MO 64124, USA
Speedy Cash
4.9★★★★☆(1236 reviews)
1331 E 63rd St, Kansas City, MO 64110, USA
Speedy Cash
4.9★★★★☆(1105 reviews)
2027 SW Fairlawn Rd, Topeka, KS 66604, USA
Net Pay Advance
4.6★★★★☆(1062 reviews)
3615 N Ridge Rd, Wichita, KS 67205, USA
LendNation
5.0★★★★★(1000 reviews)
600 Linwood Blvd, Kansas City, MO 64109, USA
TitleMax Title Loans
5.0★★★★★(854 reviews)
2041 NW Topeka Blvd, Topeka, KS 66608, USA
Speedy Cash
4.9★★★★☆(829 reviews)
1729 NW Topeka Blvd, Topeka, KS 66608, USA
AmeriCash Loans - Kansas City
4.9★★★★☆(814 reviews)
3375 Main St, Kansas City, MO 64111, USA
Advance America
5.0★★★★★(804 reviews)
7636 State Ave, Kansas City, KS 66112, USA
LendNation
4.9★★★★☆(781 reviews)
11824 Blue Ridge Blvd, Kansas City, MO 64134, USA
No locations found for that city. Show all
Personal loans in Kansas are unsecured installment loans available from a range of regulated financial institutions. Borrow from $1,000 to $50,000 and pay back over 1 to 7 years with predictable payments.
Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.
Benefits of Using MaybeLoan
- See several offers instantly – view real offers side by side with one quick form
- No hard credit pull to compare – comparing rates through MaybeLoan will not lower your credit score
- See the full cost upfront – monthly payment, total interest, and APR clearly shown
- All credit types considered – we work with lenders for a range of credit scores
- No fees from MaybeLoan – comparing is always free
The Application Process
The process is fully online – no branch visits required.
- Step 1: Enter your basic information – name, address, income, and desired loan amount
- Step 2: Get matched – compare real rate offers instantly
- Step 3: Compare and choose – select the offer that fits your budget
- Step 4: Get funded – once approved, funds are deposited directly to your bank account
Personal Loan Requirements in Kansas
To qualify for a personal loan in Kansas, most lenders require:
- 18 years of age or older
- U.S. citizen or permanent resident
- Active checking account in your name
- Verifiable income
- SSN required for identity and credit verification
Credit score requirements vary by lender. Many online lenders accept scores as low as 580-600.
What to Expect
Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.
MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Kansas.
FAQ - Personal Loans in Kansas
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
