Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Manhattan, Kansas
Kansas payday loan rules that apply in Manhattan
- Max loan amount
- $500
- Min loan term
- 7 days
- Max loan term
- 30 days
- Finance charge cap
- 15% of cash advanced
- Max absolute fee
- $75
- Typical APR
- ~391%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 2 active loans
- Right to rescind
- Next business day
- Governing law
- Kansas Consumer Credit Code
- Regulator
- KS State Bank Commissioner
Manhattan at a glance
| Metric | Manhattan | Kansas | United States |
|---|---|---|---|
| Population | 63,708 | 2.9M | 332.3M |
| Median household income | $64,817 | $78,365 | $85,275 |
| Median rent | $1,028/mo | $1,055/mo | $1,432/mo |
| Income spent on rent | 32.1% | 26.8% | 31.6% |
| Homeownership | 46.0% | 67.1% | 65.4% |
| Poverty rate | 26.7% | 11.8% | 12.6% |
| Unemployment rate | 4.2% | 4.0% | 5.3% |
| Without health insurance | 6.7% | 8.8% | 8.6% |
| Veterans | 8.2% | 7.1% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Manhattan
Move the sliders to see what a payday loan would cost under Kansas rules and how it compares with local incomes.
Kansas maximum: $500
Kansas maximum: $15
Rollovers are not allowed in Kansas.
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Share of a two-week household paycheck in Manhattan
- 3.0%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Manhattan
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 3.0%
- Hours of work at the local median wage
- 5.1 hours
- Rollovers
- Not allowed in Kansas
Example based on the Kansas maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Manhattan in context
- Population rank in Kansas
- 8th
- of 10 Kansas cities with 50,000+ residents
- Median household income rank
- 8th
- of 10 Kansas cities with 50,000+ residents
- Households earning under $25,000
- 25.4%
- ▲ 11.1 pts vs KS
- Median home value
- $248,005
- ▲ 14% vs KS
- Home value to income
- 3.8×
- A $400 emergency expense
- 2.3 days
- of median household income
Payday loan stores in Manhattan, KS
Licensed storefront lenders in Manhattan with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the KS State Bank Commissioner before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 610 Ft. Riley Blvd. Manhattan, KS 66502 | (785) 323-0044 | Mon 10:00 AM – 6:00 PM Tue 10:00 AM – 4:00 PM Wed–Fri 10:00 AM – 6:00 PM Sat 9:00 AM – 12:00 PM Sun closed |
— |
| 301 Kearney St #130 Manhattan, KS 66502 | (785) 236-7575 | — | 5.0 |
| 900 Hayes Dr G Manhattan, KS 66502 | (785) 539-8160 | — | 4.7 |
Fast & secure payday loans in Manhattan, Kansas
Unexpected expenses can happen anytime. If you need urgent cash in Manhattan, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Manhattan residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Kansas Consumer Credit Code.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Manhattan residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Kansas law (Kansas Consumer Credit Code). Always review the contract terms carefully before signing.
Manhattan payday loan FAQ
How much cash can I borrow in Manhattan?
Loan amounts in Manhattan are typically from $100 up to $500, in line with Kansas lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Manhattan to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Manhattan with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Manhattan?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Manhattan residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Manhattan or the surrounding Kansas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).