KRIS W. KOBACH
Secretary of State
image of the Kansas Secretary of State seal
STATE OF KANSAS
Memorial Hall, 1st Floor
120 SW 10th Avenue
Topeka, KS 66612-1594
(785) 296-4564
www.sos.ks.gov

Finance Rates

Judgment Rate
(K.S.A. 16-204)

Effective Dates 
Rate
July 1, 2013 - June 30, 2014 4.75%
July 1, 2012 - June 30, 2013 4.75%
July 1, 2011 - June 30, 2012 4.75%
July 1, 2010 - June 30, 2011 4.75%
July 1, 2009 - June 30, 2010 4.50%
July 1, 2008 - June 30, 2009 6.25%
July 1, 2007 - June 30, 2008
10.25%
July 1, 2006 - June 30, 2007
10.25%
July 1, 2005 - June 30, 2006
8.25%
July 1, 2004 - June 30, 2005
6.25%
July 1, 2003 - June 30, 2004
6.00%
July 1, 2002 - June 30, 2003
5.25%
July 1, 2001 - June 30, 2002
7.25%
July 1, 2000 - June 30, 2001
10.00%
July 1, 1999 - June 30, 2000
8.50%
July 1, 1998 - June 30, 1999
9.00%
July 1, 1997 - June 30, 1998
9.00%
July 1, 1996 - June 30, 1997
9.00%
July 1, 1995 - June 30, 1996
9.25%
July 1, 1994 - June 30, 1995
7.50%
July 1, 1993 - June 30, 1994
7.00%
July 1, 1992 - June 30, 1993
7.50%
July 1, 1991 - June 30, 1992
9.50%
July 1, 1990 - June 30, 1991
11.00%
July 1, 1989 - June 30, 1990
11.00%
July 1, 1988 - June 30, 1989
10.00%
July 1, 1987 - June 30, 1988
9.50%
July 1, 1986 - June 30, 1987
10.50%
July 1, 1982 - June 30, 1986
15.00%
Before July 1, 1982
12.00%

Kansas Code Mortgage Rate
(K.S.A. 16a-1-301)

Pursuant to the provisions of K.S.A. 16a-1-301(11)(a), the code mortgage rate is 12 percent. The reference rate referred to in the definition of “code mortgage rate” set forth in K.S.A. 16a-1-301(11)(b)(i) is discontinued, has become impractical to use, and/or is otherwise not readily ascertainable from the federal home loan mortgage corporation.

Kansas Usury Rate
(K.S.A. 16-207)

Effective July 1, 2013, the provisions of K.S.A. 16-207 are revised. The floating cap is removed on the interest rate charged for first real estate mortgage loans and contracts for deed to real estate, and the obligation is removed of the secretary of state to publish notice of the maximum effective rate of interest per annum for notes secured by all real estate mortgages and contracts for deed to real estate. The parties will be subject to continuing law which provides a rate that cannot exceed 15.0 percent per annum, unless otherwise specifically authorized by law.

 
2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
January
4.42% 5.02% 6.11% 6.47% 6.30% 7.41% 7.57% 7.56% 7.13% 7.20% 7.07% 8.64% 8.78% 9.71% 8.29% 8.75% 9.54% 8.74% 10.95% 8.76% 9.62%
February
4.60% 4.93% 6.09% 6.33% 6.51% 7.04% 7.72% 7.57% 6.97% 7.15% 7.16% 8.36% 8.50% 10.09% 8.21% 8.60% 9.54% 8.65% 10.66% 8.47% 9.20%
March
4.59% 4.96% 6.16% 6.25% 6.53% 7.36% 7.48% 7.58% 7.07% 6.95% 6.98% 7.91% 8.48% 9.73% 8.67% 8.64% 9.55% 9.21% 10.15% 8.95% 8.97%
April
4.60% 5.11% 6.16% 6.37% 5.92% 7.16% 7.55% 7.82% 7.42% 6.91% 7.02% 8.59% 8.51% 9.88% 8.63% 8.69% 9.87% 9.59% 10.22% 9.78% 8.99%
May
4.43% 4.90% 6.01% 6.36% 6.09% 7.42% 7.58% 7.96% 7.13% 7.50% 6.94% 8.21% 8.71% 9.87% 8.62% 8.55% 9.79% 9.80% 10.06% 10.17% 8.98%
June
4.93% 4.74% 5.85% 6.12% 6.53% 7.59% 7.79% 8.05% 7.01% 7.72% 6.38% 8.10% 8.63% 10.08% 8.97% 8.57% 9.64% 10.01% 9.40% 10.24% 9.06%
July
NA 4.49% 5.87% 5.74% 6.58% 7.72% 8.07% 8.22% 6.99% 7.61% 6.62% 8.05% 8.78% 9.70% 9.24% 8.56% 9.44% 9.80% 9.42% 10.32% 8.65%
August
NA 4.30% 5.77% 5.58% 6.57% 7.82% 8.06% 7.97% 7.16% 7.46% 7.48% 7.93% 8.42% 9.70% 9.55% 8.56% 9.05% 9.88% 9.52% 10.12% 8.64%
September
NA 4.32% 5.30% 5.37% 6.47% 7.68% 7.83% 7.78% 7.12% 7.13% 7.58% 7.51% 8.30% 9.51% 9.69% 8.31% 9.21% 9.94% 9.38% 10.17% 8.31%
October
NA 4.10% 5.03% 5.57% 6.21% 7.40% 7.70% 7.58% 7.31% 7.09% 7.02% 7.24% 8.02% 9.34% 9.44% 8.01% 9.03% 9.78% 9.39% 10.50% 8.38%
November
NA 4.34% 5.18% 5.46% 6.33% 7.93% 7.59% 7.63% 7.63% 7.02% 7.33% 7.24% 7.62% 9.35% 9.43% 8.09% 8.94% 9.44% 9.18% 10.68% 8.34%
December
NA 4.25% 5.12% 5.69% 5.96% 6.87% 7.31% 7.47% 7.64% 7.15% 7.28% 7.43% 8.23% 9.06% 9.56% 8.24% 8.91% 9.22% 8.93% 10.97% 8.79%