Car Title Loans in Kansas2026 Guide
Kansas allows title loans under the Uniform Consumer Credit Code.
Legal Status & Regulations
Governing Law
Kan. Stat. § 16a-1-101
Last Reviewed: April 2026
Law Summary
Kansas regulates title loans under the Uniform Consumer Credit Code (UCCC). While there is no specific interest rate cap for supervised lenders, they must be licensed and follow strict disclosure rules. Title loans are typically structured as open-end or closed-end credit agreements secured by the vehicle title, with clear terms on repayment and default.
Real Rate Example in Kansas
A $1,500 loan in Kansas at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Office of the State Bank Commissioner