Payday Loans in Cerulean, Kentucky

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

Company nameAddressZip codePhone number
Heritage Bank 1601 N 12th St, Murray, KY 42071 +1 (270) 767 - 2000
First & Farmers National Bank 101 Plaza Dr, Albany, KY 42602 +1 (606) 387 - 9850
Cash Tyme 1116 US Hwy 68, Bluegrass Shopping Center, Maysville, KY 41056 +1 (606) 563 - 7874
First & Farmers National Bank 224 Public Square, Columbia, KY 42728 +1 (270) 384 - 2361
Advance U Cash 58 Carothers Rd, Newport, KY 41071 +1 (859) 491 - 8885
Heights Finance Corporation 37 Southpark Center Dr, Corbin, KY 40701 +1 (606) 528 - 7499
Cash Express 1104 S Main St, London, KY 40741 +1 (606) 877 - 1952
Community Trust Bank 108 Clark St, Flemingsburg, KY 41041 +1 (606) 849 - 2304
USA Check Cashing 821 W Broadway, Louisville, KY 40202 +1 (502) 585 - 2274
Check Advance 828 Lane Allen Rd Suite 160, Lexington, KY 40504 +1 (859) 278 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cerulean, 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, Bad Credit Loans in Hopkinsville, KY, Payday Loans in Louisville, KY, Payday Loans in Owensboro, KY and Guaranteed 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 Cerulean, KY.

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

42215

Are Payday Loans Legal In Cerulean, 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

Cerulean, KY payday loan calculator

Understanding Payday Loans in Cerulean, Kentucky

Payday loans have become increasingly popular in the United States over the years, and Cerulean, Kentucky is no exception. A payday loan is a short-term loan that is typically due on the borrower’s next payday. These loans are often used for unexpected emergencies or to cover living expenses until the next paycheck arrives. They are easy to obtain and require minimal paperwork, but they often come with high fees and interest rates.

Legal Status of Payday Loans in Cerulean, Kentucky

In the state of Kentucky, payday loans are legal, but only check cashers are permitted to offer them. Other lenders are not allowed to provide payday loans. Borrowers can take out a maximum of two loans at any given time, and the amount cannot exceed $500 each.

How Do Payday Loans Work in Cerulean, Kentucky?

Payday loans are a quick source of cash for individuals in need of immediate funds. Typically, borrowers apply for a payday loan online or in-person, providing proof of income and a checking account. Once approved, the loan is deposited into the borrower’s bank account, and the borrower must repay the loan, along with any fees and interest, on their next payday.

The fees and interest rates for payday loans vary by lender and state. The average fee for a payday loan in Kentucky is $15 per $100 borrowed. However, interest rates can be as high as 400%, which can lead to a cycle of debt if not repaid on time.

Important Things to Consider before Applying for a Payday Loan

Before applying for a payday loan in Cerulean, Kentucky, there are several factors to consider:

  • Cost of the loan: Payday loans can come with high fees and interest rates. It’s essential to understand the total cost of the loan, including any fees or charges.
  • Repayment terms: Borrowers must repay the loan on their next payday. It’s essential to make sure that the borrower will have enough money to repay the loan, along with any fees and interest.
  • Alternatives to payday loans: There may be other sources of funding available, such as personal loans or credit cards, that can provide lower interest rates and fees.

Interesting Facts about Payday Loans in Cerulean, Kentucky

Did you know that:

  • In 2019, Kentucky passed legislation to cap payday loan interest rates at 36% APR, making it one of 17 states to do so.
  • The average payday loan borrower in Kentucky takes out eight loans per year, with an average loan amount of $334.

Apply Now

If you are in need of a payday loan in Cerulean, Kentucky, TheGuaranteedLoans can help. As a connector service, we can link you with potential lenders who may be able to provide the funds you need. Fill out our easy online application form today, and we’ll do our best to help you get the funding you need.

Remember, only take out a payday loan if you are in a financial emergency and have exhausted all other options.

F.A.Q.

Can I apply for a payday loan online in Cerulean, Kentucky?

Yes, you can apply for a payday loan online in Cerulean, Kentucky, as long as the lender is licensed to operate in the state.

Do I need a bank account to take out a payday loan in Cerulean, Kentucky?

Yes, you will need a valid bank account to take out a payday loan in Cerulean, Kentucky.