Best Personal Loan Rates in Topeka, Kansas (KS) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Topeka, Kansas include: Communication Federal Credit UnionCommunication Federal Credit Union1015 SW Wanamaker Rd, Topeka, KS, 66604 3806A5.0 ★Texas Ratio: 7.85% offering Storm Shelter Loan at 5.99% APR, Envista Federal Credit UnionEnvista Federal Credit Union3626 SW Wanamaker Rd, Topeka, KS, 66614 4528A+5.0 ★Texas Ratio: 2.83% offering Construction Loans at 7.25% APR, Azura Credit UnionAzura Credit Union610 SW 10th Ave, Topeka, KS, 66612A+5.0 ★Texas Ratio: 3.99% offering Land Loans at 8.62% APR, Capitol Federal Savings BankCapitol Federal Savings Bank3710 Sw Topeka Blvd, Topeka, KS, 66609A+5.0 ★Texas Ratio: 1.06% offering Consumer Lot Loan at 9.44% APR, and Frontier Community Credit UnionFrontier Community Credit Union5920 SE Coyote Dr, Topeka, KS, 66619A5.0 ★Texas Ratio: 9.14% offering Signature at 9.50% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Topeka has 8 local institutions in our database, with personal loan rates as low as 5.99% APR from Communication Federal Credit Union at 1015 SW Wanamaker Rd, Topeka, KS, 66604 3806. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Topeka, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Topeka, Kansas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 9, 2026
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Loan Amounts: $1,000 to $300,000; Maximum LTV: 75%
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Loan origination fee may apply. Purchase receipt required.
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As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
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interest rate determined by Equifax credit score; tax loan promotion runs Feb. 16,2026-Apr 30,2026
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As Low As; Consumer Loan Special
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up to $500
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As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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As Low As; up to 36 months based on credit score.
up to $500
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As Low As; Rate based on creditworthiness and term of loan.
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LIMIT - $1,000.00
LIMIT - $1,000.00
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up to $500
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As Low As; Up to 12 months (Other rates up to 60 months)
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Credit Score: A - 750 & higher
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Credit Score: 750 & higher; Limit: $5,000.00
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up to $500
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Credit Score: 700 - 749; Limit: $4,500.00
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As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
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Credit Score: B - 700 - 749
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Credit Score: 650 - 699; Limit: $3,000.00
$5,000; As Low As
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As Low As; Up to $1000
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Loan Amount: $7,500
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Credit Score: 600 - 649; Limit: $1,500.00
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Credit Score: C - 650 - 699
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Credit Score: 550 - 599; Limit: $1,000.00
Limit: $500.00
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Credit Score: D - 600 - 649
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As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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5% advance fee -up to $500
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As Low As; Consumer Loan Special
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As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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As Low As; up to 36 months based on credit score.
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As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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up to $500
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up to $500
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up to $500
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Credit Score: A - 750 & higher
As Low As; Up to 12 months (Other rates up to 60 months)
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up to $500
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Credit Score: B - 700 - 749
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$5,000; As Low As
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As Low As; Up to $1000
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Credit Score: C - 650 - 699
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Credit Score: D - 600 - 649
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Topeka, KS Personal Loan Rate Trends
Compare local Topeka, KS personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kansas personal loan rates rose 0.589 points over the past 7 days to 12.919% APR.
Kansas signature loan rates fell 0.863 points over the past 7 days to 11.490% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Kansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Kansas?
Are credit unions or banks better for personal loans in Topeka, Kansas?
What are the best personal loan rates in Topeka, Kansas?
- Communication Federal Credit Union: 5.99% (Storm Shelter Loan)
- Envista Federal Credit Union: 7.25% (Construction Loans)
- Azura Credit Union: 8.62% (Land Loans)
- Capitol Federal Savings Bank: 9.44% (Consumer Lot Loan)
- Frontier Community Credit Union: 9.50% (Signature)
Personal Loan Calculators
