Topeka, KS

Credit Repair & Financial Services in Topeka

Compare 7 credit repair companies, personal lenders, and financial services in Topeka, Kansas. All independently reviewed with BBB ratings and pricing.

Kansas avg credit score: 712 Median income: $69,747 Poverty rate: 10.3% Payday loans: Legal Kansas overview →

Top Rated in Topeka

7 companies
Capitol Federal Savings Bank logo

Capitol Federal Savings Bank

Capitol Federal Savings Bank offers personal and business banking services under the True Blue® Banking brand, providing checking, savings, and lending products.

4.2/5
Contact BBB:

Best for: Consumers seeking full-service banking with both personal and business accounts, Business owners needing integrated banking and lending solutions

Community Bank logo

Community Bank

Community Bank in Topeka, KS at 5431 Sw 29Th St offers personal and business banking services at this southwest location.

4.2/5
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Best for: Topeka-area residents and businesses seeking community banking with personal relationships, Small to mid-size business owners needing local decision-making and quick loan responses

Corefirst Bank & Trust logo

Corefirst Bank & Trust

CoreFirst Bank & Trust is an FDIC-insured bank offering personal and business banking services including checking, savings, CDs, and online account opening.

4.2/5
Contact BBB:

Best for: Kansas residents seeking FDIC-insured banking with both personal and business accounts, Small business owners needing integrated payroll card and business banking services

Heritage Bank logo

Heritage Bank

Heritage Bank is a community bank based in Topeka, Kansas, offering deposit accounts, business loans, and Mastercard products with a focus on personal banking relationships.

4.2/5
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Best for: Small business owners in the Topeka, Kansas area seeking relationship-based commercial banking, Local residents seeking community bank relationships with in-person service availability

Kaw Valley Bank logo

Kaw Valley Bank

FDIC-insured community bank in Topeka, Kansas offering personal checking, savings, CDs, home loans, business accounts, and trust services with over 150 years of local history.

4.2/5
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Best for: Topeka-area residents seeking relationship-based banking with local decision-making authority, Individuals with complex estates requiring professional trustee, executor, or conservatorship services

Silver Lake Bank logo

Silver Lake Bank

Community bank serving Northeast Kansas and Greater Kansas City with checking, savings, loans, and digital banking services. FDIC-insured with local decision-making.

4.2/5
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Best for: Northeast Kansas residents and businesses seeking relationship-based community banking, Small to mid-size business owners in Kansas and Kansas City metro needing commercial real estate or equipment financing

Banks in Topeka

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Capitol Federal Savings Bank logo

Capitol Federal Savings Bank

Capitol Federal Savings Bank offers personal and business banking services under the True Blue® Banking brand, providing checking, savings, and lending products.

4.2/5
Contact BBB:

Best for: Consumers seeking full-service banking with both personal and business accounts, Business owners needing integrated banking and lending solutions

Community Bank logo

Community Bank

Community Bank in Topeka, KS at 5431 Sw 29Th St offers personal and business banking services at this southwest location.

4.2/5
Contact BBB:

Best for: Topeka-area residents and businesses seeking community banking with personal relationships, Small to mid-size business owners needing local decision-making and quick loan responses

Corefirst Bank & Trust logo

Corefirst Bank & Trust

CoreFirst Bank & Trust is an FDIC-insured bank offering personal and business banking services including checking, savings, CDs, and online account opening.

4.2/5
Contact BBB:

Best for: Kansas residents seeking FDIC-insured banking with both personal and business accounts, Small business owners needing integrated payroll card and business banking services

Heritage Bank logo

Heritage Bank

Heritage Bank is a community bank based in Topeka, Kansas, offering deposit accounts, business loans, and Mastercard products with a focus on personal banking relationships.

4.2/5
Contact BBB:

Best for: Small business owners in the Topeka, Kansas area seeking relationship-based commercial banking, Local residents seeking community bank relationships with in-person service availability

Kaw Valley Bank logo

Kaw Valley Bank

FDIC-insured community bank in Topeka, Kansas offering personal checking, savings, CDs, home loans, business accounts, and trust services with over 150 years of local history.

4.2/5
Contact BBB:

Best for: Topeka-area residents seeking relationship-based banking with local decision-making authority, Individuals with complex estates requiring professional trustee, executor, or conservatorship services

Free Help in Topeka

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Housing and Credit Counseling, Inc. (Hcci) logo

Housing and Credit Counseling, Inc. (Hcci)

Nonprofit credit counseling and financial education organization (formerly HCCI, now part of Money Management International) offering free and low-cost debt, credit, and housing counseling services.

4.1/5
Contact BBB: NR

Best for: Homebuyers seeking free HUD-approved counseling before obtaining a mortgage, Individuals overwhelmed by credit card debt or multiple debts who need nonprofit debt management guidance

Pawn Shops in Topeka

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Silver Lake Bank logo

Silver Lake Bank

Community bank serving Northeast Kansas and Greater Kansas City with checking, savings, loans, and digital banking services. FDIC-insured with local decision-making.

4.2/5
Contact BBB:

Best for: Northeast Kansas residents and businesses seeking relationship-based community banking, Small to mid-size business owners in Kansas and Kansas City metro needing commercial real estate or equipment financing

Your Rights in Kansas

Kansas Consumer Protections: Kansas allows payday lending with a $500 cap and $15 per $100 fee limit. Rollovers are prohibited. The Office of the State Bank Commissioner regulates consumer lenders, and complaints can be filed with the OSBC or the Attorney General's Consumer Protection Division.

Interest Rate Cap: Kansas usury cap: 15% for agreements; payday loans capped at $500 with $15 per $100 fee.

Key Regulations:
  • Payday loans capped at $500 with a maximum fee of $15 per $100.
  • Cash advance loans limited to 30-day terms with no rollovers.
  • Licensed supervised lenders can charge rates exceeding the usury cap.
  • The Kansas Consumer Protection Act prohibits deceptive lending practices.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Kansas Attorney General Consumer Protection Division.

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