Car Title Loans in Kansas2026 Guide
Car title loans are legal in Kansas under the Uniform Consumer Credit Code (Kan. Stat. § 16a-1-101). Learn licensing rules, written disclosure requirements, and borrower rights in 2026.
Legal Status & Regulations
Governing Law
Kan. Stat. § 16a-1-101
Last Reviewed: April 2026
Law Summary
Title lending in Kansas operates under the Kansas Uniform Consumer Credit Code (Kan. Stat. § 16a-1-101 et seq.) supervised by the Office of the State Bank Commissioner (OSBC). Supervised lenders must hold a state license and issue transparent written disclosures detailing finance charges, APR, and vehicle repossession terms before loan execution.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
Office of the State Bank Commissioner