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Payday Loans Online in Topeka, KS
Topeka, KSPayday Loans Online

Payday Loans in Topeka, Kansas

Apply online for fast Payday Loans from the best Topeka, KS direct lenders to get quick and easy money.

Get a short-term cash advance with no credit check. You can qualify for Topeka cash loan even with no bank or checking account. Bad credit is not a problem to get approved for a fast Payday advance in Topeka either. Just fill out a free application form online and get an instant decision from multiple lending companies within a few minutes.

Need emergency cash? Consider applying for quick Kansas Payday Loans Online with no credit check required. Bad credit won't be a problem for approval. Financing is likely to be granted within 1 - 2 business days.

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Are Payday Loans Legal in Topeka, KS ?

Loan Rates and Fees, Laws and Regulations in Kansas.

Payday Loans up to $500 are legal in Kansas (Kan. Stat. Ann. § 16a-2-404, 405)1. Those who need more can apply for $1000 - $5000 Installment and $5000 - $35,000 Personal loans. A cash advance must be paid off on time. For payday, it’s 7 – 30 days. The APR shouldn’t exceed 390%, which is $15 finance charge for 14-day $100 borrowed. Only one loan is allowed at a time and there aren’t any rollovers.

Law statuslegal
MIN Loan AmountNone
MAX Loan Amount$500
MIN. Loan Term7 days
MAX. Loan Term30 days
MAX APR390%
Additional fees$15 for every $100 borrowed
NSF feeOne per loan
Collateral or guarantorNone, unsecured
Number of simultaneous loans1
Cooling off periodNot stated
RolloverNone
Extension, repayment planNone
Default penaltiesNot stated
Credit score requirementsAvailable for Bad Credit
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Apply for online Payday Loans and get instant decision from the best Topeka lending organization

TOP RATED COMPANIES

Rates last updated March 29th, 2024
4.7931873479319
(822 votes)
Smart Pig
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15,5%
Min MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.1394025604552
(1K+ votes)
Indylend
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
5
(1 vote)
E-Skills Loans
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.5059328968903
(4K+ votes)
LEND YOU
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.537037037037
(810 votes)
Funded Justice
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
Min APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Payday Loans in Topeka, KS: What Are They?

Get a $500 payday loan in Topeka, Kansas. A quick and simple payday loan is the solution if you need a little additional money in between paychecks. Payday Loans, also referred to as a cash advance, are a short-term, low-dollar credit that must be repaid within two to four weeks, depending on your pay date.

 

How to Obtain a Payday Loan in Topeka, KS

Applying for a loan from a lender or financing partner is the first step in borrowing money. You can either submit an online request or do it in person at the loan store. In either case, the candidate should receive a prompt response.

While rules differ from state to state, most cities adhere to the lending restrictions and laws set forth by their specific state. This includes restrictions on the maximum loan amount, the maximum finance charge, the maximum loan period, and the finance charges. If you're looking for Topeka payday loan legislation, you should commence by looking at the laws for that state.

 

Regulations of Payday Loans in Topeka, Kansas

One of the first states to pass laws aimed specifically at regulating payday loans was Kansas. For many years, the payday loan law was essentially unaltered.

The law regulates:

  • The loan's duration cannot go beyond 30 days;
  • The interest rate under the deal cannot exceed 3.0 percent per month after maturity;
  • It is prohibited to charge for insurance or any other service besides what is specified, including cashing a check for loan profits;
  • The proceeds of another loan made by the same lender may not be used to pay off a loan made under this provision;
  • The borrower's ability to repay the loan as well as whether the loan complies with the section's amount and term restrictions when determining whether to find certain loans made under this section to be unconscionable conduct.

 

Is It Possible to Obtain a Payday Loan with Bad Credit in Topeka?

People must write a check for the desired loan amount plus an extra lender fee in order to receive a payday loan. The sum of the loan will be given to the borrower in cash or as an electronic deposit in return. The postdated check is held by the payday lender until your subsequent paycheck, which is typically when the loan balance and fees are due.

If the creditor is unable to make the required payment by the due date, the debt will accrue until it can be settled. Payday loans have annual interest rates that can reach 400% of the principal borrowed. Typically, these debts are very expensive. Consumers should only use payday loans as a last option if they have no other options.

To be eligible for a payday loan from many financial institutions, a borrower must have good or excellent credit (a FICO score of 670 or higher). These borrowers will also receive reduced interest rates. Depending on the lender and your creditworthiness, there are different borrower criteria.

Because bad credit loans are for borrowers with weak or limited credit histories, they could have stringent monthly payment requirements, protracted approval processes, higher interest rates, and other extra fees and penalties.

 

Payday Loan Best Practices in Topeka, Kansas

  • Only borrow what you need to meet an emergency expense. Even though it can be difficult, only getting what you need can help you control costs.
  • Deal with one cash loan provider at a time. You can stay away from debt loops and snowball debt by doing this.
  • Only use internet payday loans in Kansas for urgent costs.
  • Pay back your payday credit balance as soon as you can.

 

Repaying a Payday Loan

Paying back your debt as soon as you can is another wise payday loan strategy. By avoiding possible late fees, it reduces its costs. The borrower's next payday, which is usually two weeks away, is when the entire amount is due.

Either the borrower postdates a personal check to correspond with their subsequent payday or agrees to have the lender make an automatic withdrawal from their account. For every $100 borrowed, payday lenders typically charge interest of $15 to $20. Payday loans have an annual percentage rate (APR) that ranges from 391% to more than 521%. This APR is determined on the same premise as credit cards, mortgages, auto loans, and other loans.

 

The Bottom Line

The speed with which you receive your money from a payday loan in Topeka, Kansas is one of its greatest advantages. Contrary to conventional loans, payday loans provide you with cash right away. When you apply for a payday loan online, you can anticipate getting your money the following working day, or within 24 hours.

Trusted loan providers from Kansas are prepared to assist you whether you have an unexpected medical bill, vehicle repairs, or some other unanticipated expenditure. We are fully aware of how unpredictable life can be.  To get back on track quickly, apply immediately!

Cash Advance and other Money Offers in Topeka, KS

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

Payday Loans Available in Topeka, KS by the following ZIP codes:

66409 66546 66601 66603 66604 66605 66606 66607 66608 66609 66610 66611 66612 66614 66615 66616 66617 66618 66619 66620 66621 66622 66624 66625
66626 66628 66629 66636 66637 66642 66647 66652 66653 66667 66675 66683 66692 66699 66409 66605 66609 66610 66616 66619
  • Easy online application
  • Bad credit is OK
  • Instant approval
  • No credit check considered
  • Competitive rates
  • Same day financing

In 2024 there are 126,808 people living in Topeka, KS. According to the statistics, 7608 of them look for "Payday Loans Near Me in Topeka, KS" or apply for Topeka Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 42250. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Topeka, Kansas direct lenders.

Payday Loans Store Locations in Topeka, KS

Speedy Cash
Check Into Cash
Advance America
First Cash Advance
EZ Payday Advance
Cash 2 Go
Advance Checking
Loansmart
ACE Cash Express
CheckSmart

FAQ

 

How to qualify for online Payday Loans in Topeka, KS?

 

How Topeka Payday Loans online work?

 

Can I get a Payday Loan with bad credit in Topeka, KS?

 

Do Topeka lenders offer no credit check Payday Loans?

 

How fast can I get a Payday Loan in Topeka, KS?

 

Do lenders in Topeka, KS require a certificate from the employer?

 

How long does an online payday loan take?

 

Do you have to specify the purpose of a payday loan?

 

Can I take a payday loan at Compacom if I have a liability with another loan company?

 

How to sign a payday loan agreement?

 

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