Payday Loans in California, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 752 State Hwy 2034 #5, Ermine, KY 41815 +1 (606) 633 - 7734
Heights Finance Corporation 405 Richmond Rd N #2, Berea, KY 40403 +1 (859) 986 - 6000
Eagle Finance 790 N Dixie Hwy 100, Elizabethtown, KY 42701 +1 (270) 769 - 0055
World Finance 1848 S US Hwy 421, Harlan, KY 40831 +1 (606) 573 - 1181
BB&T 31 Outlet Ave, Eddyville, KY 42038 +1 (270) 388 - 2241
Quick-Cash Inc. 547 Lafayette Ave, Bellevue, KY 41073 +1 (859) 291 - 4653
A Plus Check Cashing 105 W 2nd St, Maysville, KY 41056 +1 (606) 564 - 0202
World Finance 2606 Zion Rd Spc M, Henderson, KY 42420 +1 (270) 869 - 9797
FNB Bank, Inc. 101 E Broadway, Mayfield, KY 42066 +1 (270) 247 - 1758
Cash Express 101 W 8th St, Benton, KY 42025 +1 (270) 252 - 0100

Payday Loan Companies in Nearby Cities

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

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

41007

Are Payday Loans Legal In California, 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

California, KY payday loan calculator

Payday Loans in California and Kentucky

When emergencies arise and you need cash fast, payday loans can provide a solution. These short-term loans are typically due on your next payday and can be a lifesaver for those who need immediate assistance. Payday loans are legal in Kentucky (applies to check cashers only) and California, but there are regulations in place to protect consumers from predatory lending practices. Here’s what you need to know about payday loans in California and Kentucky.

California Payday Loan Regulations

Payday loans in California are regulated by the California Department of Business Oversight. The regulations aim to protect consumers from predatory lenders and ensure that borrowers can afford to repay the loan. The maximum loan amount in California is $300, and the maximum term of the loan is 31 days. Lenders can charge a maximum fee of 15% per $100 borrowed, which works out to an annual percentage rate (APR) of 460%. Borrowers can only have one outstanding payday loan at a time and must wait at least 24 hours before taking out another loan. Lenders must also provide a written contract that outlines the terms and conditions of the loan, including the APR and fees.

Interesting Facts and Statistics

  • According to the California Department of Business Oversight, the average payday loan in California is $250, with an average APR of 372%.
  • A survey by the Pew Charitable Trusts found that the average payday borrower in California takes out eight payday loans per year, with an average loan amount of $300.
  • In Kentucky, the average payday loan is $350, with an average APR of 460%.
  • A report by the Consumer Financial Protection Bureau found that 75% of payday loan fees in Kentucky were generated by borrowers who took out more than ten loans per year.

Kentucky Payday Loan Regulations

Payday loans in Kentucky are legal but are only permitted for check cashers, not traditional lenders. Check cashers are regulated by the Kentucky Department of Financial Institutions and are subject to certain restrictions. The maximum loan amount in Kentucky is $500, and the loan term cannot exceed 60 days. Lenders can charge a maximum fee of $15 per $100 borrowed, which works out to an APR of 391%. Borrowers can only have two outstanding payday loans at a time and cannot rollover a loan more than once. Lenders must also provide a written contract that outlines the terms and conditions of the loan, including the APR and fees.

Apply Now

Looking for a payday loan in California or Kentucky? TheGuaranteedLoans makes it easy to connect with potential lenders. Our online application takes just a few minutes to complete, and we’ll match you with lenders who may be able to provide the cash you need. Remember that TheGuaranteedLoans is not a direct lender – we’re a connector service that aims to help you find the right lender for your needs. Apply now to get started!

In conclusion…

Payday loans are a short-term financial solution that can provide much-needed cash in an emergency. If you’re considering a payday loan in California or Kentucky, it’s important to understand the regulations in place and ensure that you can afford to repay the loan. Remember to only borrow what you need and to shop around for the best rates and terms. Apply for a payday loan today through TheGuaranteedLoans and get the funds you need to manage your emergency expenses with ease.

F.A.Q.

Can I apply for a payday loan if I am receiving Social Security benefits in California, Kentucky?

Yes, individuals who are receiving Social Security benefits are eligible to apply for payday loans in California, Kentucky. However, they will need to provide proof of income in order to qualify.

Can I apply for a payday loan if I am a student in California, Kentucky?

Yes, students are eligible to apply for payday loans in California, Kentucky, as long as they meet the other eligibility requirements. However, it is important to carefully consider whether a payday loan is the best option for managing their finances as a student.