Kansas maximum interest rate is the answer to “maximum interest rate allowed by law in Kansas”. This guide gives the Kansas figures in a dated table, explains in plain words what they mean, walks through the steps, and points to the official forms and free help.
The Kansas maximum interest rate figures on this page were verified against a dated 50-state compilation and Kansas sources as of October 2026; the statute named here is where to check them yourself.
Kansas maximum interest rate at a Glance
| Legal rate when no rate is agreed | 10% per year |
| Maximum rate in a written contract | 15% for a bond, bill or promissory note |
| Statute | K.S.A. 16-201, 16-207 |
In This Kansas maximum interest rate Guide:
What the Kansas Maximum Interest Rate Means
Usury means charging more interest than Kansas law allows. Kansas has two separate figures. The legal rate is a default that applies only when the parties never agreed on a rate. The contract cap is the highest rate a written note can set, unless another Kansas law specifically allows a higher one.
The Kansas maximum interest rate Figures
| Rule | Bonus Bank Daily verified figure |
|---|---|
| Legal rate when no rate is agreed | 10% per yearcompilation / agency — verified Oct 2026 |
| Maximum rate in a written contract | 15% for a bond, bill or promissory notecompilation / agency — verified Oct 2026 |
| Statute | K.S.A. 16-201, 16-207compilation / agency — verified Oct 2026 |
The Kansas maximum interest rate figures on this page were verified against a dated 50-state compilation and Kansas sources as of October 2026; the statute named here is where to check them yourself.
Who the Kansas Maximum Interest Rate Applies To
The general cap mainly covers personal loans written as notes between private parties and lenders that are not otherwise regulated. Banks chartered in other states and national banks generally follow their home state’s rate under federal law, not the Kansas cap. Licensed consumer lenders fall under the Kansas Uniform Consumer Credit Code (K.S.A. 16a-1-101 et seq.), which sets its own rates.
The cap also excludes loans covered by the Kansas Mortgage Business Act and business or agricultural loans made mainly for non-personal purposes.
Credit Cards and the Kansas Maximum Interest Rate
Most credit cards come from national banks or banks chartered in other states. Federal law lets those banks charge the interest rate allowed where the bank is based, and they can apply that rate to cardholders anywhere, including Kansas. So in most cases, a card rate above the Kansas cap is still legal.
What Happens When a Lender Breaks the Kansas Maximum Interest Rate
When a loan breaks the cap, the borrower may be able to recover the excess interest or more, depending on the statute, and charging above a criminal threshold can be a crime.
How to Check a Loan Against the Kansas Maximum Interest Rate
1) Find the annual interest rate or APR in your loan papers or the Truth in Lending disclosure. 2) Check who made the loan: a private party, a licensed Kansas lender, or an out-of-state or national bank. 3) Check what the loan was for: personal, business or farm, or a mortgage. 4) Compare the rate with the limit that applies to that type of loan.
5) Confirm with the statute, the court clerk or an attorney.
Where to Report a Loan Above the Kansas Maximum Interest Rate
The Kansas Office of the State Bank Commissioner licenses consumer and supervised lenders and takes complaints through an online form or at 1-877-387-8523. You may also file a complaint with the federal Consumer Financial Protection Bureau at consumerfinance.gov/complaint.
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Common Mistakes With Kansas maximum interest rate
The most common mistake is missing a deadline: court and creditor deadlines run whether or not you have read the papers, and a missed one usually cannot be undone. The second is relying on an old article or a friend’s experience in another state — the rules on this page differ from state to state and change often, which is why every figure here is dated.
The third is not keeping copies: every letter, form, receipt and bank statement may matter later, so keep them together and note the date you received each one.
Free Help With Kansas maximum interest rate in Kansas
You do not have to handle this alone or pay to get answers. The Kansas court self-help center explains the forms and the steps, and court clerks can tell you where and how to file, although they cannot give legal advice.
Legal aid organizations represent many people at no cost when income is limited, and the Kansas bar’s lawyer referral service can connect you with a lawyer for a low-cost first consultation. The Consumer Financial Protection Bureau accepts complaints about lenders, banks and debt collectors nationwide.
How We Verify the Kansas maximum interest rate Figures
Every figure in the table above comes from our 50-state data file, built by reading the Kansas statute or an official compilation of it, and each one carries the month we last checked it. Our writers do not change those figures; they explain them. When the law changes, the figure is updated and the date moves.
If something on this page no longer matches the statute, the statute controls — and we want to hear about it.
Under the statute, the forfeiture penalty takes the excess interest off what the borrower owes, and the lender also gives up an equal sum. Consumer loans and payday loans have separate rate rules under the Kansas UCCC.
Next rung: the Kansas payday loan page covers the short-term loans that have their own caps.
Kansas — the bottom line
- Kansas maximum interest rate rules set two numbers — the legal rate and the written-contract cap — both in the table above.
- Many lenders sit outside the Kansas maximum interest rate cap by license or charter, so check which rule covers your loan.
- If a loan breaks the Kansas maximum interest rate rules, keep the agreement and report it to the state regulator.
Kansas Maximum Interest Rate FAQ
What is the maximum interest rate allowed by law in Kansas?
Without an agreement: 10% per year. In a written contract: 15% for a bond, bill or promissory note.
Official Kansas Sources & Resources
- Statute and the Conference of State Bank Supervisors 50-state usury survey (verified by each state regulator) — maximum legal interest rate: https://www.csbs.org/50-state-survey-consumer-finance-laws
- Statute and the Conference of State Bank Supervisors 50-state usury survey (verified by each state regulator) — maximum legal interest rate: https://facts.csbs.org/consumer-finance-law/dev
- Kansas statute / opinion: https://ksrevisor.gov/statutes/chapters/ch16/016_002_0007.html
- Kansas Office of the State Bank Commissioner (OSBC): https://www.osbckansas.org/
- Consumer Financial Protection Bureau: consumerfinance.gov
This Kansas maximum interest rate guide was last verified against official Kansas sources in October 2026. Rules change — confirm the current rule with the statute or a licensed attorney.
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Disclaimer: This guide is general information, not legal or financial advice. Bonus Bank Daily is an independent educational resource — not a law firm, not a bank, not a debt collector and not a government agency. Judgment, levy, interest-rate and debt rules change — every figure here carries the date we verified it.
Confirm the current rule with the statute, the court clerk or a licensed attorney in your state before you act.