Kansas Payday Loan Laws and Regulations

There are a number of laws in Kansas that protect both borrowers and lenders. Here they are:

- Maximum loan amount: $500
- Loan term: 7 to 30 days
- Finance charge per $100: $15 (14 days)
- APR per $100: 390% (14 days)
- Finance rate and fees maximum: 15%
- Maximum outstanding loans at a time: 2

Kansas Consumer Protection

The Office of the State Bank Commissioner is responsible for handling all queries and complaints. Their website is:

Address: 700 SW Jackson, Suite 300
Topeka, KS 66603
Phone: (785) 296-2266
Fax: (785) 296-0168
Website: http://www.osbckansas.org/

Consumers are encouraged to carefully read the laws and regulations before delving in to an agreement. You can also contact the regulatory office via phone or fax.

Interesting Facts About Kansas
  1. Dodge City is the windiest city in the country.
  2. In 1981 the wheat design depicted on the license plates was voted as being the most beautiful design in the country.
  3. Wichita gave the country the Pizza Hut.
  4. This state has a large number of caves. There are 528 recognized caves according to the Kansas Speleological Society that is in charge of cataloguing them. Comanche county has more than one hundred and twenty of those caves in it.
  5. In 1997 this state produced nearly five hundred million bushels of wheat. That is enough wheat to bake more than thirty-five billion loaves of bread.
  6. State laws prohibit you from throwing knives at men wearing striped suits.
  7. State laws dictate that all pedestrians must wear tail lights if they are going to be outside after dark.
  8. In this state it is illegal to speak the name of President George Washington without saying “Your Majesty” before it.
  9. It is illegal to eat ice cream on top of cherry pie.
  10. Hunting whales is illegal in this state, it is also unlikely that you could perform such an act since there is not much water in the state of Kansas, and outside of aquariums designed to house them there is no water that is a natural habitat to these creatures.
  11. The state flower is the sunflower.
  12. The state bird is the western meadowlark.
  13. The state is called the sunflower state.
  14. The state tree is the cottonwood.
  15. Some of the famous people from this state are; Melissa Etheridge, Wyatt Earp, Don Johnson, Kirstie Alley, Amelia Earhart, Ed Asner, and Martina McBride.
  16. The state veterinary college has specially designed water beds for the horses to lie down on.
  17. The longest railroad bridge of its kind is south of Ashland. It is the Rock Island Bridge.
  18. In 1887 in Argonia Kansas the first woman to ever be elected mayor in the United States was Susan Madora Salter.
  19. The first black woman to ever win an academy award was from this state. She was Kansan Hattie McDaniel and she won the award for the role she played in the movie “Gone with the Wind”.
  20. The dial telephone was invented here in 1889 by Almon Stowger .
  21. In 1909 William Purvis and Charles Wilson invented the helicopter.
  22. The first frozen carbonated drink machine was created in Coffeyville by Omar Knedlik in 1961.
  23. To find the  geographical center of the 48 contiguous states you only have to look as far as Smith County Kansas.
  24. In 1866 George Custer formed the famous 7th cavalry in Fort Riley between Junction City and Manhattan. In 1876 at the battle of Little Big Horn the 7th cavalry was almost completely wiped out, saving for a horse named Comanche.
  25. Legendary lawmen Wyatt Earp, James Butler “Wild Bill” Hickok and William B “Bat” Masterson were some of the men who helped to keep the peace in towns in this state like Dodge City, Ellsworth, Abilene, and Hays.
  26. In Colorado and in Oklahoma the Arkansas River is pronounced Arkansaw, but in Kansas it is called the ahr-KAN-zuhs river.
  27. The garden of Eden constructed in Lucas by the civil war veteran S. P. Dinsmoor is made up of over one hundred tons of concrete.
  28. This state has 27 creeks named Walnut Creek.
  29. The American Institute of baking is located here.
  30. There is no other place in the world that has as many giant rocks of the size of the ones that are located at Rock City. Some of the rocks here are as large as houses.
  31. The famous botanical scientist that discovered over 300 products that could be made from the simple peanut graduated from high school here in 1885. The man was George Washington Carver.
  32. To build Holy Cross Shrine in Pfeifer the church members paid a two cent donation for each bushel of wheat they sold. The church is till referred to as a 2 cent church because of this’.
  33. Kansas has a thirty foot statue to pay homage to the wheat farmer.

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