Payday Loans in Ary, Kentucky

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No payday loan companies in Ary, KY. Consider companies in other cities:

Company nameAddressZip codePhone number
World Finance Corporation 942 S 12th St, Murray, KY 42071 +1 (270) 753 - 0735
Best Financial Services Inc 1115 Jamestown St, Columbia, KY 42728 +1 (270) 384 - 0508
Winebrenner Financial Services, Inc. 101 W Main St, Lebanon, KY 40033 +1 (270) 699 - 9600
Citizens Deposit Bank 10 2nd St, Vanceburg, KY 41179 +1 (606) 796 - 3001
Check Into Cash 222 S L Rogers Wells Blvd, Glasgow, KY 42141 +1 (270) 659 - 0615
Traditions Finance Company 1877 Main St, Cadiz, KY 42211 +1 (270) 522 - 3377
Best Financial Services Inc 103 Industrial Park Rd #2, Greensburg, KY 42743 +1 (270) 932 - 2213
Mr Pay Day of Milton 12921 US-421, Milton, KY 40045 +1 (502) 268 - 0096
First Harrison Bank 140 S Poplar St, Lebanon Junction, KY 40150 +1 (502) 833 - 4603
Commonwealth Credit Union 511 Joseph Dr, Harrodsburg, KY 40330

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ary, KY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Florence, KY, Payday Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Short-term Loans in Louisville, KY, Payday Loans in Owensboro, KY and Payday Loans in Richmond, KY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ary, KY.

Are Payday Loans Legal In Ary, Kentucky?

Loan Rates and Fees, Laws and Regulations in Kentucky.

Kentucky Loan Regulations

Legal StatusLegal (Applies to check cashers only)
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term60 days
Number of Rollovers Allowed0
Finance Charges$15 per $100

Ary, KY payday loan calculator

Understanding Payday Loans in Ary, Kentucky

Payday loans can be a helpful resource for individuals who need quick access to cash but are unable to secure traditional loans through banks or credit unions. In Ary, Kentucky, payday loans are legal, but only check cashers are able to provide them.

How Do Payday Loans Work?

Payday loans are a type of short-term loan that is intended to be repaid within two to four weeks, typically coinciding with the borrower’s next payday. Borrowers provide a post-dated check or authorize the lender to make automatic withdrawals from their bank account for the total loan amount plus fees and interest.

The fees and interest rates associated with payday loans are often high, making it important for borrowers to carefully consider whether they can afford to repay the loan within the given timeframe. Failure to repay a payday loan on time can result in additional fees, increased interest rates, and even legal action by the lender.

Eligibility for Payday Loans in Ary, Kentucky

In Ary, Kentucky, individuals are eligible for payday loans if they meet certain requirements, including:

  • Being at least 18 years of age
  • Having a valid government-issued ID
  • Providing proof of income
  • Having an active checking account

Interest Rates and Fees

The interest rates and fees associated with payday loans vary depending on the lender and the borrower’s credit history. In Ary, Kentucky, check cashers may charge up to $15 in fees per $100 borrowed. This means that if a borrower takes out a $500 payday loan, the total amount due would be $575 (the principal of $500 plus $75 in fees).

It’s important for borrowers to carefully read the terms and conditions of any payday loan agreement before signing to ensure that they understand the fees and interest rates associated with the loan.

The Importance of Responsible Borrowing

While payday loans can be a helpful resource for individuals who need quick access to cash, it’s important to remember that they come with high fees and interest rates. It’s crucial that borrowers carefully evaluate their financial situation and consider whether they can afford to repay the loan within the given timeframe.

Responsible borrowing means only taking out a payday loan if it is necessary and can be repaid within the given timeframe. Borrowers should also explore other financial resources, such as personal loans or credit cards, before resorting to payday loans.

Interesting Facts and Statistics

  • According to a report by the Kentucky Coalition for Responsible Lending, the average Kentucky payday loan borrower takes out 10 loans per year, resulting in $458 in fees for a $339 loan.
  • As of 2021, there are over 550 licensed check cashers in Kentucky, with a majority located in urban areas.
  • Payday loans are the most expensive form of consumer credit, with interest rates averaging around 400% APR.

Apply Now

If you are considering a payday loan in Ary, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Remember that TheGuaranteedLoans is a connector service and not a direct lender. We can help expedite the loan process and provide access to a network of lenders who may be able to offer you a loan that fits your needs. Fill out our online application to get started.

At TheGuaranteedLoans, we are committed to providing valuable resources and information to help you make informed financial decisions. Whether you are seeking a payday loan or other financial assistance, we are here to help.

F.A.Q.

Are payday loans legal in Ary, Kentucky?

Yes, payday loans are legal in Ary, Kentucky.

What is the maximum loan amount I can borrow in Ary, Kentucky?

The maximum loan amount you can borrow in Ary, Kentucky is $500.