Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Pawn Shops vs Payday Loans in Topeka, KS
8 pawn shops in and around Topeka — 4.9 per 100,000 residents, compared with 3.0 across Kansas. Call ahead to ask what they're buying and lending on today: inventory needs change weekly. Topeka ranks #1 of 8 Kansas cities with pawn shops by shops per resident.
- Pawn shops
- 8
- Pawn shops per 100k
- 4.9
- Kansas: 3.0
- Big-chain shops
- 0
- Payday & loan stores
- 7
- Population
- 163,637
Pawn shops in Topeka: addresses and phone numbers
| Pawn shop | Address | Phone | Website |
|---|---|---|---|
| Ace Pawn & Gun | 1923 SE 6th Ave Topeka, KS 66607 | (785) 232-0500 | — |
| All State Pawn | 1901 NW Topeka Blvd Topeka, KS 66608 | (785) 235-3252 | pawnshops.net |
| Capitol City Pawn & Jewelry | 1001 SE 6th St Topeka, KS 66604 | (785) 233-2336 | capcitypawn.com |
| Capitol City Pawn & Jewelry | 1634 SW Washburn Ave Topeka, KS 66604 | (785) 234-4466 | — |
| Capitol City Pawn and Jewelry | 115 SW 29th St Topeka, KS 66611 | (785) 266-7370 | capitolcitypawn.com |
| Highland Crest Pawn | 2834 SE Jefferson St Topeka, KS 66605 | (785) 232-3054 | hicrestpawn.com |
| Integrity Gun & Pawn | 301 NE US Highway 24 Topeka, KS 66608 | (785) 232-7296 | igpawn.com |
| Integrity Gun and Pawn | 1949 SW Gage Blvd Topeka, KS 66604 | (785) 215-8970 | igpawn.com |
Pawn shops vs payday loan stores in Topeka
Topeka has 8 pawn shops and 7 payday, installment and title loan stores.
Pawn shops
8
4.9 per 100k residents
Payday & loan stores
7
4.3 per 100k residents
5 store chains
Biggest loan store chains in Topeka: Speedy Cash (2), TitleMax (2), ACE Cash Express (1), Advance America (1), OneMain Financial (1).
Borrowing $500 for one month: payday vs pawn vs credit union
| Option | How it works | Cost for one month |
|---|---|---|
| Payday loan (~391% APR) | $75.00 fee every 2 weeks, renewed once | $150.00 |
| Pawn loan (example: 20% a month) | You leave an item worth more than the loan; repay to get it back | $100.00 |
| Credit union PAL (28% APR + $20 fee) | Repaid in installments; membership required | $31.67 |
- Payday cost, share of monthly household income in Topeka
- 2.7%
- Pawn cost, share of monthly household income in Topeka
- 1.8%
- A $400 emergency equals
- 2.2 days of income
Payday: the KS maximum — $75 on a $500 loan for 2 weeks, paid twice for a one-month loan. Pawn: an example rate of 20% a month; pawn fees and interest are set by Kansas law and vary by shop — ask for the total in writing. PAL: payday alternative loan from a federal credit union, capped at 28% APR plus an application fee of up to $20. Income: U.S. Census Bureau, American Community Survey.
Pawn loan vs payday loan: the key differences
| Pawn loan | Payday loan in KS | |
|---|---|---|
| What you need | An item of value (jewelry, gold, electronics, tools, firearms) and an ID | A bank account, proof of income and an ID |
| Credit check | None | Usually none |
| How much you get | A fraction of the item's resale value | Based on your income, up to the state limit |
| If you can't repay | The shop keeps the item; no collections and no credit damage | Fees pile up with renewals; the debt can go to collections |
| Bank account access | None | Lender can debit your account or cash your check |
| Rules in Kansas | Pawnbrokers are licensed and regulated by Kansas; fees, terms and holding periods are set by state law | Allowed, up to $500; typical APR ~391% |
Topeka at a glance
- Median household income
- $67,341
- Kansas: $78,365
- Poverty rate
- 13.4%
- Kansas: 11.8%
- Households under $25,000
- 16.7%
- Kansas: 14.4%
- A $400 emergency equals
- 2.2 days of income
Payday and installment loan stores in Topeka
For comparison: storefront payday, installment and title lenders in Topeka with addresses, phone numbers and hours.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1729 NW Topeka Blvd Topeka, KS 66608 | (785) 232-8821 | — | 4.9 |
| 2027 SW Fairlawn Rd Topeka, KS 66604 | (785) 271-2362 | — | 4.9 |
| 1700 SW Wanamaker Rd Topeka, KS 66604 | (785) 229-0965 | — | 5.0 |
| 2041 NW Topeka Blvd Topeka, KS 66608 | (785) 229-0959 | — | 5.0 |
| 400 SW 29th St Ste X Topeka, KS 66611 | (785) 266-3777 | — | 4.9 |
| 3258 SW Topeka Blvd. Topeka, KS 66611 | (785) 267-4220 | Mon–Fri 9:00 AM – 5:30 PM Sat–Sun closed |
— |
| 2800 SW Wanamaker Rd Ste 170 Topeka, KS 66614 | (785) 272-7765 | — | 3.4 |
Pawn shops near Topeka
More about Topeka
Pawn shop listings: © Overture Maps Foundation (CDLA-Permissive 2.0), including Foursquare OS Places and © OpenStreetMap contributors; filtered and de-duplicated by us. Population, income and poverty: U.S. Census Bureau, American Community Survey. Call ahead to confirm hours and what a shop buys or lends on.