Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / KS
Personal loans, banking, insurance, and debt help in Kansas
Kansans use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
31lenders in the dataset
KSstate guide
$1,491/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Kansas
Kansans use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
Interest-rate law
House Bill 2247, effective January 1, 2025, replaced Kansas's old blended tiered rate schedule for supervised loans with a single flat 36% APR cap, and raised the covered threshold amount to a CPI-indexed figure (at least $69,500 as of mid-2024), covering the large majority of personal loans.
| Loan range | Rate | Statute |
|---|---|---|
| Supervised loans under CPI-indexed threshold (at least $69,500 as of mid-2024) | 36% flat | HB 2247 (effective Jan 1, 2025) |
Lender complaints: Kansas Office of the State Bank Commissioner
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Since a 2025 law reform, Kansas caps most personal loans at a flat 36%, so a debt consolidation loan should land well under that ceiling, ideally under 20%, to genuinely beat a typical credit card APR.
04 / Banking and credit unions
Banking in Kansas
National banks offer scale and convenience while Kansas-based regional and community banks compete on relationship banking and local decision-making.
Banks listed
- US BankNational bank, headquartered in Minneapolis, MN.
- ChaseNational bank.
- INTRUST BankHeadquartered in Wichita, KS.
- Commerce BankHeadquartered in Kansas City, MO.
- Capitol FederalHeadquartered in Topeka, KS.
- UMB BankHeadquartered in Kansas City, MO.
- Bank of AmericaNational bank.
Credit unions
Kansas credit unions are member-owned, not-for-profit institutions that often post lower rates and fewer fees than banks, with membership tied to location, employer, or association.
Median membership growth of about -0.7% year over year (Q4 2025 NCUA data), versus a national median of about -0.5%.
A self-described "pioneer state" in the credit union movement: its 1929 enabling statute produced Topeka Federal Employees' Credit Union, the state's first, and by 1940 Kansas had 97 credit unions chartered under a Secretary of State-run system. Kansas Corporate Credit Union, chartered in 1951, was the first-ever "corporate credit union" in the U.S., providing liquidity to other Kansas credit unions.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Sits under two overlapping frameworks: a criminal "debt adjusting" statute (Kan. Stat. Ann. § 21-6502) and a Credit Services Organization / Debt Management licensing regime (§ 50-1116 et seq.), which has historically restricted who may lawfully engage in debt adjusting. No clearly documented fee cap beyond the federal Telemarketing Sales Rule's advance-fee ban.
Companies listed in the dataset
06 / Insurance
Kansas insurance
Regulator
Kansas Insurance Department
Insurance regulator websiteAuto insurance
25/50/25
Kansas requires liability insurance of $25,000 per person/$50,000 per accident bodily injury, plus $25,000 property damage, plus personal injury protection (PIP) as a no-fault state.
Homeowners and renters
$1,491/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $159/yr
Sits squarely in Tornado Alley, with hail and severe thunderstorms among the state's most frequent and costly homeowner claims.
07 / Questions
Kansas FAQs
How do I file a complaint against a lender in Kansas?
Contact the Kansas Office of the State Bank Commissioner, which licenses and supervises consumer lenders operating in Kansas.
How do I file a complaint against my insurance company in Kansas?
File with the Kansas Insurance Department.
What's the maximum interest rate a lender can legally charge on a personal loan in Kansas?
36% APR, flat, for supervised loans under the CPI-indexed threshold (at least $69,500 as of mid-2024), following a 2025 law (HB 2247) that replaced the older blended tiered schedule.
What credit score do I need for a personal loan in Kansas?
It depends on the lender. Banks and credit unions generally want a FICO score of 700+, FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor/limited credit at higher APRs.
Are payday loans legal in Kansas, and are there caps on fees or loan amounts?
Yes. Capped at $500, with a fee of up to 15% of the amount advanced, and a term of 7 to 30 days (~390% APR). Borrowers can have up to two loans outstanding at a time and no more than three within 30 days; rollovers aren't allowed, though a once-per-12-months extended payment plan is available.
How long can a debt collector legally pursue an unpaid debt in Kansas before the statute of limitations runs out?
Written contracts have a 5-year statute of limitations (K.S.A. 60-511); oral contracts and open accounts have a shorter 3-year window (K.S.A. 60-512). A payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Kansas?
A consolidation loan pays off debts in full with new borrowed money at a lower rate; settlement negotiates a reduced payoff but requires halting payments first. Kansas's debt settlement rules sit across two overlapping statutes, so confirming a provider's standing before enrolling matters more here.
