Kansas Title Loan Laws: Rate Cap, Terms and Repossession

By Lenditup Editorial Team · Law last verified August 7, 2026 · How we verify

Yes. Title loans are legal in Kansas, and lenders must follow the Kansas UCCC (K.S.A. § 16a-2-401).

Title loan rules in Kansas at a glance

Title loan rules in Kansas
Title-loan law	Kansas UCCC (K.S.A. § 16a-2-401)
Rate cap	36% APR cap under the Kansas UCCC (K.S.A. 16a-2-401(2)) — a prepaid finance charge of up to the lesser of 2% of the amount financed or $300 may be added on top (subsection (4))
Fees the law allows	Prepaid finance charge up to the lesser of 2% of the amount financed or $300 (K.S.A. 16a-2-401(4))
Rollovers and renewals	Refinancing permitted (K.S.A. 16a-2-504); if the same lender refinances within 12 months, prepaid finance charges on the new loan are capped at the lesser of 2% of the additional amount financed or $300 (K.S.A. 16a-2-401(5))
Repossession	Allowed after default
Time to catch up before repossession	20 days
Owe the balance after the car is sold?	Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance
Lender license	Required (Kansas Uniform Consumer Credit Code)
Statute	K.S.A. § 16a-2-401(2) (finance charge); § 16a-2-401(4) (prepaid finance charge)

Source: K.S.A. § 16a-2-401(2) (finance charge); § 16a-2-401(4) (prepaid finance charge) (read the law). We last checked it against the statute on August 7, 2026. See title loan laws in every state.

What a title loan costs in Kansas

Under Kansas's rate rules, borrowing $1,000 for 12 months costs $206 in interest at the maximum rate, so you repay $1,206. That is a 36% rate before any fee: the fee the law allows is not in these examples, and the APR in the lender's disclosure must include it. Your offer may differ.

Example title loan costs in Kansas (interest only)
Loan	Term	Interest	Total repaid	Rate before fee
$1,000	12 months	$206	$1,206	36%
$2,500	12 months	$514	$3,014	36%
$5,000	12 months	$1,028	$6,028	36%

Kansas also lets lenders charge a fee on top of the interest: Prepaid finance charge up to the lesser of 2% of the amount financed or $300 (K.S.A. 16a-2-401(4)). A fee like this raises the APR, so compare the APR in the lender's written disclosure, which must include it.

What happens if you can't repay

If you fall behind, the lender can repossess your car, but Kansas gives you 20 days to catch up on missed payments first. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

How to check a lender in Kansas

Title lenders in Kansas must be licensed (Kansas Uniform Consumer Credit Code). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).

Looking for a loan in Kansas?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Kansas law.

Title loan questions for Kansas

01What is the most a title lender can charge in Kansas?

36% APR cap under the Kansas UCCC (K.S.A. 16a-2-401(2)) — a prepaid finance charge of up to the lesser of 2% of the amount financed or $300 may be added on top (subsection (4)). Your contract must show the APR before you sign.

02Can I roll over a title loan in Kansas?

Refinancing permitted (K.S.A. 16a-2-504); if the same lender refinances within 12 months, prepaid finance charges on the new loan are capped at the lesser of 2% of the additional amount financed or $300 (K.S.A. 16a-2-401(5)). Each renewal adds cost, so ask for the total you will repay.

03What happens if I can't repay a title loan in Kansas?

04How do I check that a title lender is licensed in Kansas?

Title lenders in Kansas must be licensed (Kansas Uniform Consumer Credit Code). You can look a lender up in the official license search.

05Is Lenditup a title lender in Kansas?

No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Kansas law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.

Are title loans legal in Kansas?