Payday Loans in Delphia, Kentucky

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

Company nameAddressZip codePhone number
Lendmark Financial Services 4046 Fort Campbell Boulevard Suite J-D, Hopkinsville, KY 42240 +1 (270) 885 - 6962
Kentucky Farmers Bank 4393 Highway 2565, Louisa, KY 41230 +1 (606) 929 - 5000
Citizens Bank & Trust Co 1138 Main St, Jackson, KY 41339 +1 (606) 666 - 7576
Citizens Deposit Bank 9234 E, KY-8, Garrison, KY 41141 +1 (606) 757 - 4784
Cash Express 33 Asbury Rd, Monticello, KY 42633 +1 (606) 340 - 8440
Citizens Bank of Cumberland County 209 Keen St, Burkesville, KY 42717 +1 (270) 864 - 2323
World Finance 792 W Main St, Lebanon, KY 40033 +1 (270) 699 - 2666
Check Into Cash 3929 Taylorsville Rd, Louisville, KY 40220 +1 (502) 451 - 6412
Quik Cash 760 Campbell Ln #104, Bowling Green, KY 42104 +1 (270) 846 - 1730
1st Choice Credit W Cumberland Gap Pkwy, Corbin, KY 40701 +1 (606) 528 - 2426

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Delphia, 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

Delphia, KY payday loan calculator

If you’re in Delphia, Kentucky, and you’re in need of quick cash to tide you over until your next paycheck arrives, payday loans may seem like a tempting option. Payday loans are short-term loans designed to help you cover unexpected expenses, like medical bills or car repairs. They often have high-interest rates, and if you’re not careful, payday loans can quickly spiral into an unmanageable cycle of debt.

What are payday loans?

Payday loans are a type of short-term loan that you can receive quickly. They’re typically available from check cashers, who allow you to borrow money against your next paycheck. Payday lenders will usually require proof of income, like a pay stub or bank statement. They may also require proof of residency, a valid ID, and a checking account.

How do payday loans work?

When you apply for a payday loan, the lender will ask for proof of your income and may require a post-dated check. If you’re approved, the lender will typically give you cash for the amount you borrowed (minus fees and interest). On your next payday, the lender will cash the post-dated check to repay the loan.

The fees and interest on payday loans can be high and can quickly add up. In Kentucky, payday lenders can charge up to $15 per $100 borrowed, and the loan term can be no longer than 14 days. This means that if you need to borrow $500, you could end up paying up to $75 in fees alone.

Are payday loans legal in Delphia, Kentucky?

Yes, payday loans are legal in Delphia, Kentucky. However, state laws regulate the interest rates and fees that lenders can charge. Payday lenders in Kentucky can only charge up to $15 per $100 borrowed, and the loan term cannot exceed 14 days.

The risks of payday loans

Payday loans are convenient, but they can also be incredibly risky. The high-interest rates and fees associated with payday loans mean that you can end up paying much more than you borrowed, putting you in a worse financial position than before. If you’re not careful, payday loans can quickly spiral into a cycle of debt that can be difficult to escape.

High-interest rates and fees

The interest rates and fees on payday loans can be astronomical. In Kentucky, lenders can charge up to $15 per $100 that you borrow. That might not sound like much, but it can add up quickly. If you borrow $500, for example, you could end up paying $75 in fees alone, not to mention the interest charges.

Debt Cycle

Many people who take out payday loans find themselves in a cycle of debt. The loan becomes due on your next payday, but you may not have enough money to repay it. If you’re unable to pay the loan back in full, the lender may allow you to roll the loan over, which means you’ll have to pay another set of fees. This can quickly add up, and before you know it, you’ve borrowed much more than you can afford to repay.

Interesting facts about payday loans in Delphia, Kentucky

  • In Kentucky, payday loans are regulated by the Kentucky Department of Financial Institutions
  • Payday loans are often marketed to low-income individuals who may not have access to traditional banking services
  • Payday lenders in Kentucky cannot threaten you with criminal charges for failure to repay a loan
  • The average payday loan borrower ends up in debt for 199 days out of the year
  • In Kentucky, payday lenders cannot charge more than $500 for a payday loan

Apply now

If you’re in Delphia, Kentucky, and you need help covering unexpected expenses, TheGuaranteedLoans can help. We’re a connector service that can help connect you with potential lenders who may be able to offer you a payday loan. Our application process is easy, and you can get a decision in minutes. Remember, payday loans can be risky, so make sure you understand the terms and costs associated with any loan before you borrow.

Apply for a payday loan through TheGuaranteedLoans today and take the first step toward getting the cash you need.

F.A.Q.

Are there any alternatives to payday loans in Delphia, Kentucky?

Yes, there are several alternatives to payday loans in Delphia, Kentucky, such as small personal loans, credit union loans, or borrowing from friends or family.

What should I do if I am unable to repay my payday loan in Delphia, Kentucky?

If you are unable to repay your payday loan in Delphia, Kentucky, you should contact your lender immediately and discuss your options, such as negotiating a payment plan or seeking financial counseling.