KS · LOAN-AGMT · Updated July 2026 · Free
Kansas Loan Agreement
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Kansas at a glance: Usury Cap (Personal): 15% per year (Kan. Stat. § 16-207) · Default Interest: 10% (Kan. Stat. § 16-201) · Governing Law: Kansas Statutes Chapter 16
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Overview
Loan Agreements in Kansas
Kansas caps interest rates on personal loans at 15% per year under Kansas Statutes Section 16-207.
Key Facts
Kansas Loan Agreement — Quick Reference
| Requirement | Kansas Rule |
|---|---|
| Usury Cap (Personal) | 15% per year (Kan. Stat. § 16-207) |
| Default Interest | 10% (Kan. Stat. § 16-201) |
| Governing Law | Kansas Statutes Chapter 16 |
Legal Requirements
Kansas Legal Requirements
- Interest rates must not exceed 15% per annum.
Governing Laws
Kansas Governing Laws
Read the full text of these laws at Cornell Law School's Kansas legal resources or your state legislature's official website.
Questions & Answers
Kansas Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in Kansas if not written?
10% per year.