Augusta, KS · Midwest · Allowed
Payday loans in Augusta
Augusta is governed by Kansas's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Kansas. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Augusta
10,692 residents · Butler County/Butler County Median household income is $53,801 — below the Kansas median of $58,493.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | El Dorado 11 mi | (316) 321-2700 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Kansas page before visiting. Spot an error? Report it.
The online route in Augusta
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Kansas follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Kansas regulator.
The rules behind the numbers
Payday loans are high-cost short-term credit options and should not be used to resolve long-term financial difficulties.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Augusta has to fit inside that schedule.
Statute: K.S.A. 16a-2-404
Regulator: Office of the State Bank Commissioner of Kansas · www.osbckansas.org
Questions people ask in Augusta
Are payday loans legal in Augusta, KS?
Yes. Storefront payday lending is permitted across Kansas, and Augusta runs under the same state rules: maximum loan $500, fees capped at 15% of cash advance ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Augusta?
The same as anywhere in Kansas: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Augusta?
Our 2022-02-20 directory snapshot lists no storefront lenders in Augusta — the closest listed locations are in El Dorado.
Who regulates lenders in Augusta?
Complaints about a lender go to the Office of the State Bank Commissioner of Kansas (www.osbckansas.org) — keep the loan agreement and every fee disclosure you were given.