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Interest on unpaid invoices in Kansas: 10% a year if no rate was agreed; the most you can set depends on the deal

By Yossi Grunwald, founder of Workeey · Updated

In Kansas, 10% a year if no rate was agreed; the most you can set depends on the deal. Read from Kansas's own statutes, agencies and courts, checked November 6, 2026, with every answer quoted below, and a late fee calculator.

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Kansas's rate when no rate was agreed

10% a year. 10% a year when no other rate is agreed, on money after it becomes due, money due on settlement of account, and money withheld by unreasonable and vexatious delay.

  • “Except as provided in subsection (b), creditors shall be allowed to receive interest at the rate of 10% per annum when no other rate of interest is agreed upon, for any money after it becomes due; for money lent or money due on settlement of account, from the day of liquidating the account and ascertaining the balance;” — K.S.A. 16-201(a) Legal rate of interest, read November 6, 2026

The most you can set in Kansas

For a homeowner: It depends: see K.S.A. 16-207 and 16a-2-201. Written instruments for the payment of money: 15% a year unless otherwise authorized by law; consumer credit sales under the UCCC (closed-end): any rate agreed by the parties. A consumer credit sale = sale of goods or services to an individual primarily for personal, family or household purposes, by a seller who regularly extends such credit, payable in more than four installments or with a finance charge, up to the threshold amount.

For a business customer: No cap under K.S.A. 16-207: business or agricultural transactions (incl. credit sales made primarily for other than personal, family or household purposes) are excluded.

  • “the parties to any bond, bill, promissory note or other instrument of writing for the payment or forbearance of money may stipulate therein for interest receivable upon the amount of such bond, bill, note or other instrument of writing, at a rate not to exceed 15% per annum unless otherwise specifically authorized by law.” — K.S.A. 16-207(a) Contract rate, read November 6, 2026
  • “A seller may charge a finance charge at any rate agreed to by the parties, subject, however, to the limitations on prepaid finance charges set forth in subsection (3).” — K.S.A. 16a-2-201(2) Finance charge for closed-end consumer credit sales, read November 6, 2026
  • “(iii) the goods or services are purchased primarily for a personal, family or household purpose; (iv) either the debt is by written agreement payable in more than four installments or a finance charge is made;” — K.S.A. 16a-1-301(18)(a) "Consumer credit sale", read November 6, 2026
  • “a business or agricultural transaction. For the purpose of this section, a 'business or agricultural transaction' means a loan, including a note secured by a contract for deed to real estate or a credit sale, which is made primarily for purposes other than personal, family or household purposes.” — K.S.A. 16-207(e)(5), read November 6, 2026

Late fees in Kansas

What the text says: Consumer credit transactions (UCCC): late fee may be contracted for on an installment not paid in full within 10 calendar days of its due date, max the lesser of 5% of the unpaid installment or $25. Consumer credit transactions under the Kansas UCCC, incl. consumer credit sales of goods or services (work and labor) to individuals for personal, family or household purposes, payable in more than four installments or with a finance charge.

  • “The parties to a consumer credit transaction may contract for a late fee on any installment not paid in full within 10 calendar days after its scheduled or deferred due date in an amount not exceeding 5% of the unpaid amount of the installment or $25, whichever is less.” — K.S.A. 16a-2-502(1) (UCCC) Late fees, read November 6, 2026

Does Kansas want it agreed in advance?

Agreed in advance: yes, in the cases below. UCCC late fees are ones 'the parties... may contract for'; without an agreed rate, interest is at the 10% legal rate (§ 16-201).

  • “The parties to a consumer credit transaction may contract for a late fee” — K.S.A. 16a-2-502(1), read November 6, 2026

Homeowners and businesses in Kansas

Consumer (personal, family, household) credit sales fall under the UCCC (any agreed finance charge on closed-end sales; late fee max lesser of 5% or $25 after 10 days); business transactions are outside the 15% cap of K.S.A. 16-207.

  • “which is made primarily for purposes other than personal, family or household purposes.” — K.S.A. 16-207(e)(5), read November 6, 2026

Prompt payment on private construction in Kansas

See the state's words below. Private construction contracts between owner and contractor, contractor and subcontractor, or subcontractors.

  • “the owner shall pay interest to the contractor beginning on the thirty-first day after receipt of the request for payment, computed at the rate of 18% per annum on the undisputed amount.” — K.S.A. 16-1803(e) Private construction contracts; payment provisions, read November 6, 2026
  • “the contractor shall pay interest to the subcontractor beginning on the eighth business day after receipt of payment by the contractor, computed at the rate of 18% per annum on the undisputed amount.” — K.S.A. 16-1803(g), read November 6, 2026
  • “"Contract" means a contract or agreement concerning construction made and entered into by and between an owner and a contractor, a contractor and a subcontractor or a subcontractor and another subcontractor.” — K.S.A. 16-1802 Definitions ("Contract"), read November 6, 2026

Work out a late charge in Kansas

Starts at Kansas's 10%, the rate when none was agreed, not a maximum.

Days since the due date
The rate or fee your terms set

$9.86 late charge

Days late
30
New total
$1,209.86

$1,200.00 × 10% a year × 30 days ÷ 365 = $9.86

What was not checked for Kansas

  • The dollar "threshold amount" in Kansas's consumer credit code was not read.
  • Kansas's finance-charge rule for open-end consumer credit, such as a store account (K.S.A. 16a-2-202), was not read.

Check Kansas's own text

Before you charge: read K.S.A. 16-201(a) Legal rate of interest and the other Kansas texts quoted on this page, or ask a lawyer. As of November 6, 2026.

This is a plain-words summary of each state's own laws as of November 6, 2026, not legal advice. Rules have exceptions. Check the state's own text, linked on every state's page, or a lawyer before you charge a late fee or interest.

Compare Kansas with every state's answer, or with its neighbours just below.

Next door to Kansas

  • Colorado: 8% if none agreed, depends by agreement
  • Missouri: 9% if none agreed, depends by agreement
  • Nebraska: 12% if none agreed, 16% for homes (two answers)
  • Oklahoma: 6% if none agreed, depends by agreement

Official sources for Kansas

Every state in one file: Excel and CSV downloads

Where our data comes from

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