Midwest · Vehicle-title lending · State statute guide
Title loan laws in Kansas
Not in classic form. Kansas holds small-dollar credit to a 36% APR ceiling, so title-loan pricing as marketed in other states cannot be licensed here.
Are title loans legal in Kansas?
Not in classic form. Kansas holds small-dollar credit to a 36% APR ceiling, so title-loan pricing as marketed in other states cannot be licensed here.
Statute: Kan. Stat. §16a-2-401
A title loan is secured by your vehicle, so legality is only half the question — the other half is what the statute lets the lender do with the lien if you fall behind. In this state, a lender holding your title at payday-style rates holds an unenforceable claim.
What a title loan really costs
Kansas's cap: 36% cap on loans under $1,000. On a secured loan of $1,000 that is roughly $250 in fees for one month. Installment structures spread the cost but multiply the months — read the total of payments, not the monthly figure.
Repossession: when the lender can take the car
No licensed repossession process exists here, because no title loan can be legally made. If a lender threatens to take your car over an illegal loan, that threat is itself reportable to the Office of the State Bank Commissioner of Kansas.
Who regulates title lending in Kansas?
Office of the State Bank Commissioner of Kansas licenses title lenders and takes complaints — the license lookup and complaint desk are at www.osbckansas.org.
Repossession rules in Kansas
Where title lending is licensed, repossession follows the commercial-code baseline that every secured lender must run: a genuine default, written notice and a chance to cure, a commercially reasonable sale of the vehicle, and any surplus above the debt returned to the borrower. Kansas's notice periods and licensing enforcement run through the Office of the State Bank Commissioner of Kansas (www.osbckansas.org) — the same office that takes title-lender complaints.
Because no classic title lender is licensed in Kansas, a repossession threat tied to a "title loan" here points at an unlicensed lender — document it and report it.
Last verified September 6, 2026 · Statute: Kan. Stat. §16a-2-401 · Source: Office of the State Bank Commissioner of Kansas · Not legal advice — confirm with the regulator.
Questions about Kansas title loan laws
What is the maximum title loan amount in Kansas?
There is no lawful title-loan amount in Kansas — the product is not licensed above the 36% rate ceiling.
Can the lender repossess my car in Kansas?
A lender holding your title from an illegal loan has no lawful claim in Kansas — and reporting the lender is the correct response to a repossession threat.
How much does a title loan cost in Kansas?
The statutory cap: 36% cap on loans under $1,000. Compare the total of payments, not the monthly rate — a 25% monthly fee is about 300% APR on a single-payment note.
Are online title loans legal in Kansas?
No lawful online title loan exists for Kansas residents — any offer is unlicensed, and the loan's lien can be challenged.
Where do I report an illegal title lender in Kansas?
To the Office of the State Bank Commissioner of Kansas (www.osbckansas.org). Bring the title agreement and payment history; if the lender is unlicensed, also notify the Kansas Attorney General and the CFPB.
What are the repossession laws in Kansas?
Secured-lending repossession everywhere follows the same baseline: a genuine default, written notice with a chance to cure, a commercially reasonable sale, and any surplus above the debt returned to the borrower. Kansas's notice periods and licensing enforcement run through the Office of the State Bank Commissioner of Kansas. Since no classic title lender is licensed here, a repossession threat tied to a title loan is itself reportable.