Topeka, KS · Midwest · Allowed
Payday loans in Topeka
Topeka is governed by Kansas's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Kansas. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Topeka
127,656 residents · Shawnee County/Shawnee County Median household income is $70,356 — above the Kansas median of $58,493.
4 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 3258 SW Topeka Blvd, 66611 | (785) 267-4220 | Mon 10:00 AM - 6:00 PM · hours vary |
| King of Kash Installment Loans, Auto Loan Providers | 2611 SW 17th St, 66604 | (785) 596-8955 | Mon 10:00 AM - 6:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans | 1729 NW Topeka Blvd, 66608 | (785) 232-8821 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans | 2027 SW Fairlawn Rd, 66604 | (785) 271-2362 | Mon 8:00 AM - 8:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Kansas page before visiting. Spot an error? Report it.
The online route in Topeka
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Kansas follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Kansas regulator.
The rules behind the numbers
Payday loans are high-cost short-term credit options and should not be used to resolve long-term financial difficulties.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Topeka has to fit inside that schedule.
Statute: K.S.A. 16a-2-404
Regulator: Office of the State Bank Commissioner of Kansas · www.osbckansas.org
Questions people ask in Topeka
Are payday loans legal in Topeka, KS?
Yes. Storefront payday lending is permitted across Kansas, and Topeka runs under the same state rules: maximum loan $500, fees capped at 15% of cash advance ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Topeka?
The same as anywhere in Kansas: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Topeka?
4 storefronts are listed in Topeka in our 2022-02-20 directory snapshot (3 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Topeka?
Complaints about a lender go to the Office of the State Bank Commissioner of Kansas (www.osbckansas.org) — keep the loan agreement and every fee disclosure you were given.