Payday Loans in Winona, KS: Rates, Rules & Calculator

Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Payday lending Permitted under license Kansas Office of the Revisor of Statutes

Rate cap 15% per annum… Kansas Office of the Revisor of Statutes

Licensing Supervised lender license required… Kansas Office of the Revisor of Statutes

Regulator Kansas Office of the State Bank Commissioner… Kansas Office of the State Bank Commissioner

By the Paydayloaning Editorial Team · Last updated 2026-09-16

Payday lending in Kansas

Permitted under license

Full Kansas lending rules

The local picture

Payday loan rules that apply in Winona

Every figure below is published by the state or the regulator that sets it, with a link to the primary source. These rules apply to any lender serving Winona — Kansas' fee cap is not adjusted city by city.

Rule	Detail	Source
Maximum legal interest rate (usury cap)	15% per annum (general contract-rate ceiling for written instruments) Source quote Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".	Kansas Office of the Revisor of Statutes as of 2026-09-16
Payday lending status	Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source quote Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".	Kansas Office of the Revisor of Statutes as of 2026-09-16
Small-loan / installment lender licensing	Supervised lender license required (supervised loans) Source quote Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".	Kansas Office of the Revisor of Statutes as of 2026-09-16
State lending regulator	Kansas Office of the State Bank Commissioner (OSBC) Source quote Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".	Kansas Office of the State Bank Commissioner as of 2026-09-16
UCCC consumer loan rate caps	36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans) Source quote Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860".	Kansas Office of the State Bank Commissioner as of 2026-09-16

What a payday loan costs in Winona

Before you sign in Winona, work out what you will owe on the due date — the amount borrowed plus the fee — and compare it with the cash you expect to have that day. If the two do not line up, the loan is being repaid by the next one. Model it first with our loan payment calculator and see what the same amount would cost as a fixed-payment installment loan.

Cheaper alternatives in Winona

Ranked by what they usually cost: a payment plan with the creditor (often 0%), a credit-union payday alternative loan, a small personal installment loan, and a cash-advance app — which is often a payday loan in different clothing and carries a similar APR. See the full comparison of alternatives to payday loans before you borrow in Winona.

About Winona

Population: 180 (US Census Bureau, Vintage 2023 subcounty estimate).
Size in Kansas: the 415th-largest of 625 Census places in the state.
Population trend: Its population fell about 4.8% between the 2020 Census base and the 2023 estimate.
Nearest larger cities: Oakley, KS (22 mi); Brewster, KS (22 mi); Colby, KS (25 mi). Bigger markets often have more lenders, but a lender licensed in Kansas serves Winona under the same state rules.

Before you borrow in Winona

Confirm payday lending is permitted in Kansas and check the maximum fee in the table above.
Compare the APR, not the dollar fee — that is the only way to compare a two-week loan with a two-year one.
Run the numbers with our loan payment calculator to price the same amount as an installment loan.
Verify the lender is licensed in Kansas with the regulator listed above.
Never give a lender remote access to your bank account beyond the amount you actually owe, and ask for any repayment plan in writing.

Frequently asked questions

Can I get a payday loan in Winona?

Only if payday lending is permitted in Kansas. Payday lending is regulated state by state, so whether a licensed lender may offer one in Winona depends on Kansas law rather than on any local ordinance. See the sourced figure on our Kansas lending reference page.

How much can I borrow with a payday loan in Winona?

State law sets the maximum advance, and many states cap payday loans at a few hundred dollars. The sourced limit for Kansas is listed with its publisher on our state reference page, so you can see the current figure rather than an estimate.

How much does a payday loan cost in Winona?

Lenders charge a fee per $100 borrowed rather than a monthly interest rate, and Kansas law sets the maximum fee. Because the term is only a couple of weeks, that fee produces a very high APR. Our state reference page lists the sourced fee cap, and our APR calculator shows the math.

Will a payday loan in Winona hurt my credit?

Many payday lenders do not report on-time payments to the major credit bureaus, so a payday loan usually will not build your credit. An unpaid balance that is sent to collections can still be reported and damage your score, which is why the repayment plan matters more than the application.

Nearby places

All Kansas cities

Nearest Census places by distance.

Payday loans in Winona, KS