Payday Loans in Blackey, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 1202 N Main St, Beaver Dam, KY 42320 +1 (270) 274 - 8232
Lendmark Financial Services LLC 1714 Perryville Rd Suite B4, Danville, KY 40423 +1 (859) 236 - 8589
Forcht Bank 230 Violet Rd, Crittenden, KY 41030 +1 (859) 428 - 1900
Check Advance 105 E Bridge St, Cynthiana, KY 41031 +1 (859) 234 - 6883
U.S. Bank Branch 303 Ridgeway Ave, Falmouth, KY 41040 +1 (859) 654 - 3301
Cash Express 268 N Main St Ste B, Russellville, KY 42276 +1 (270) 725 - 8698
Abound Credit Union 1600 Spearhead Division Ave building 6424, Fort Knox, KY 40121 +1 (800) 285 - 5669
Walmart Money Center 1650 Edmonton Rd, Tompkinsville, KY 42167 +1 (270) 487 - 0780
Cash Express 203 N Main St, Burkesville, KY 42717 +1 (270) 864 - 1470
Peoples Exchange Bank 175 Brooks Pl Way, Winchester, KY 40391 +1 (800) 364 - 3631

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Blackey, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Florence, KY, Quick Loan in Georgetown, KY, Payday Loans in Hopkinsville, KY, Bad Credit Loans in Louisville, KY, Same Day 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 Blackey, KY.

Payday Loans Available in Blackey, KY By The Following ZIP Codes:

41804

Are Payday Loans Legal In Blackey, 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

Blackey, KY payday loan calculator

Payday Loans in Blackey, Kentucky: Everything You Need to Know

If you live in Blackey, Kentucky, and find yourself in need of quick cash to cover unexpected expenses, payday loans might be a viable option for you. A payday loan is a small, short-term loan that typically must be paid back on the borrower’s next payday.

Are Payday Loans Legal in Blackey, Kentucky?

Yes, payday loans are legal in Blackey, Kentucky. However, it is important to note that payday loans are only legal for check cashers and deferred deposit transactions. Other small loan lenders are prohibited from offering payday loans.

How Do Payday Loans Work in Blackey, Kentucky?

In Kentucky, borrowers can apply for payday loans online or in-person at a licensed lender’s physical location. To apply, borrowers must provide their personal and financial information and proof of income.

Once approved, borrowers receive their cash immediately – either in the form of a check or direct deposit. The loan must be repaid on the borrower’s next payday, usually within two weeks. Borrowers who cannot repay the loan by the due date may be eligible for an extension or a rollover, but this comes with additional fees and interest.

What Are the Requirements for a Payday Loan in Blackey, Kentucky?

To be eligible for a payday loan in Kentucky, borrowers must meet the following requirements:

  • Be at least 18 years old
  • Have a valid ID or driver’s license
  • Have a current checking account or prepaid debit card
  • Show proof of steady income
  • Provide a phone number or email address where they can be contacted

What Are the Fees and Interest Rates for Payday Loans in Kentucky?

The maximum amount a borrower can receive from a payday loan in Kentucky is $500. Lenders cannot charge more than 15% interest on the loan, which means the maximum finance charge on a $500 loan is $75.

Additionally, lenders may charge a verification fee, which cannot exceed $5. Lenders can also charge a $15 non-sufficient funds (NSF) fee if the borrower’s check bounces or if there is not enough money in their account to cover the loan.

Interesting Facts and Statistics About Payday Loans in Blackey, Kentucky

  • According to the Kentucky Department of Financial Institutions, the average payday loan borrower takes out eight loans per year, with an average loan amount of $369.
  • In 2019, there were 579 payday lenders operating in Kentucky.
  • A 2015 study by the Consumer Finance Protection Bureau found that the median payday loan borrower borrows $350 and pays $458 in fees and interest on that loan.

Apply Now

If you are interested in applying for a payday loan in Blackey, Kentucky, fill out our online application today. We are a connector service and will help you connect with potential lenders for your loan needs. Remember, payday loans should only be used for short-term financial emergencies. It is important to fully understand the terms and conditions of your loan and the fees and interest rates associated with it.

At TheGuaranteedLoans, we aim to provide valuable information and connect you with reputable lenders to meet your financial needs. Apply now and get the financial assistance you need in your time of need.

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Blackey, Kentucky?

Yes, you can be sued or have your wages garnished if you default on your payday loan in Blackey, Kentucky.

Are there any consumer protection laws for payday loans in Blackey, Kentucky?

Yes, Kentucky has consumer protection laws for payday loans that regulate the terms and conditions of these loans.