K.S.A. » Chapter 16a
Kansas Statutes Annotated

K.S.A. § 16a-2-504 (2026)

(UCCC) Finance charge on refinancing

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16a-2-504. (UCCC) Finance charge on refinancing. With respect to a consumer credit transaction, the creditor may by agreement with the consumer refinance the unpaid balance, including any accrued charges. For the purpose of determining the finance charge permitted, the amount financed resulting from the refinancing refinanced shall be the total of the unpaid balance and the accrued charges on the date of the refinancing.

History: L. 1973, ch. 85, § 32; L. 1993, ch. 200, § 9; L. 2024, ch. 6, § 55; January 1, 2025.

KANSAS COMMENT, 2010

This section provides the method of determining the amount financed on which the finance charge is based when a consumer credit transaction is refinanced, and sets the ceiling for the charge. The amount financed for the new transaction is equal to the unpaid balance of the old transaction plus accrued charges at the date of refinancing. See K.S.A. 16a-2-401(9) limitations on prepaid finance charges if refinancing.

Notes of Decisions
Cited in 1 case, 1998–1998 · leading case: Gonzales v. Assocs. Fin. Serv. Co. of Kansas, 967 P.2d 312 (Kan. 1998).
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Gonzales v. Assocs. Fin. Serv. Co. of Kansas, 967 P.2d 312 (Kan. 1998). · cites it 4× “Our conclusion is supported by the language of K.S.A. 16a-2-504, which specifically contemplates refinancing of consumer loans.”
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