Payday Loans in Dice, Kentucky

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

Company nameAddressZip codePhone number
Peoples Bank & Trust Co 524 Main St, Hazard, KY 41701 +1 (606) 436 - 2161
Citizens Deposit Bank 5230 S Main St, Eminence, KY 40019 +1 (502) 845 - 5639
First Community Bank 114 E Jackson St, Clinton, KY 42031 +1 (270) 653 - 4301
Fifth Third Bank & ATM 418 Newman Circle, Eddyville, KY 42038 +1 (270) 388 - 2277
First Financial Credit 206 Village Ln, Hazard, KY 41701 +1 (606) 439 - 1069
Cash A Check 754 S College St, Harrodsburg, KY 40330 +1 (859) 733 - 0705
U.S. Bank Branch 5531 Reidland Rd, Paducah, KY 42003 +1 (270) 898 - 5110
World Finance 7694 Liberty Rd, West Liberty, KY 41472 +1 (606) 462 - 2131
Cash Advance Centers of KY 3333 Court St, Suite 3, Catlettsburg, KY 41129 +1 (606) 739 - 0224
Members Choice Credit Union 145 Russell Rd, Ashland, KY 41101 +1 (606) 329 - 7876

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dice, KY, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Florence, KY, Payday Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Online 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 Dice, KY.

Are Payday Loans Legal In Dice, 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

Dice, KY payday loan calculator

What are Payday Loans and How do they Work in Dice, Kentucky?

Payday loans are small, short-term loans that can be taken out in a bind when you need some extra cash to cover unexpected expenses. These loans are typically given for amounts ranging from a hundred to a few thousand dollars, and they are usually paid back within a few weeks or months, depending on the terms of the loan. In Dice, Kentucky, payday loans are legal for check cashers.

The application process for a payday loan is relatively straightforward. Borrowers must provide proof of income or employment, a valid form of ID, and their bank account information. Once the application is approved, the funds are typically deposited directly into the borrower’s bank account. Repayment may be made through automatic withdrawal or by returning to the lender with cash, check, or money order.

The Pros and Cons of Payday Loans in Dice, Kentucky

The Pros:

  • Easy to Qualify: Unlike traditional loans that require a good credit score, payday loans are accessible to those with bad credit or no credit at all. All you need is proof of income and a valid ID to be eligible for a payday loan.
  • Quick Access to Funds: Payday loans are usually approved within hours of application, and funds are transferred almost instantly, making them a great option for emergencies.
  • No Collateral Needed: Unlike secured loans, payday loans don’t require any collateral. This means you don’t have to put up your car or home as collateral to get a loan.

The Cons:

  • High-Interest Rates: Payday loans often come with high interest rates and fees, making the overall cost of borrowing much higher than traditional loans.
  • Short Repayment Period: Payday loans must be repaid within a few weeks or months, which can be difficult for some borrowers to manage, leading to a cycle of debt.
  • Potential for Scams: Some payday lenders operate illegally or use unscrupulous tactics such as loan flipping or charging exorbitant fees, making it essential to research lenders before taking out a payday loan.

Facts and Statistics About Payday Loans in Dice, Kentucky

  • In Kentucky, the maximum amount you can borrow with a payday loan is $500.
  • Payday lenders in Kentucky may charge up to $15 per $100 borrowed in fees.
  • The average APR for a payday loan in Kentucky is 460%.
  • According to a report from the Kentucky Coalition for Responsible Lending, the average payday loan borrower takes out eight payday loans per year.

Apply Now for a Payday Loan in Dice, Kentucky

If you find yourself in need of a payday loan to cover unexpected expenses, TheGuaranteedLoans offers a simple and straightforward way to find a lender. We are not a direct lender, but we can connect you with a payday loan lender in Kentucky who can provide you with the funds you need.

Fill out our online application today to get started. Our application process is simple, and once approved, you can have the funds you need deposited directly into your bank account. Don’t let a financial emergency catch you off guard. Apply now for a payday loan in Dice, Kentucky.

F.A.Q.

Can I apply for a payday loan if I am on active military duty in Dice, Kentucky?

Yes, individuals on active military duty are eligible to apply for payday loans in Dice, Kentucky. However, there are special protections in place for military members, so be sure to inform the lender if you are on active duty.

Are there any restrictions on the interest rate for payday loans in Dice, Kentucky?

Yes, the maximum interest rate for payday loans in Dice, Kentucky is 390% APR.