El Dorado, KS · Midwest · Allowed
Payday loans in El Dorado
El Dorado 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 El Dorado
13,956 residents · Butler County/Butler County Median household income is $51,792 — below the Kansas median of $58,493.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 2702 W Central Ave, 67042 | (316) 321-2700 | Mon 10:00 AM - 5:30 PM · hours vary |
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 El Dorado
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 El Dorado 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 El Dorado
Are payday loans legal in El Dorado, KS?
Yes. Storefront payday lending is permitted across Kansas, and El Dorado 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 El Dorado?
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 El Dorado?
1 storefront is listed in El Dorado in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in El Dorado?
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.