Payday Loans in Ferguson, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 17 Depot Ave, Eminence, KY 40019 +1 (502) 845 - 8046
Heritage Bank 1843-2099 Oak Park Blvd, Calvert City, KY 42029 +1 (270) 395 - 0781
Wilkerson Financial 307 Washington St, Frankfort, KY 40601 +1 (502) 352 - 2995
World Finance 120 Keen St, Burkesville, KY 42717 +1 (270) 864 - 3741
Cash Express 509 Humston Dr, Lawrenceburg, KY 40342 +1 (502) 839 - 6141
Kwik Cash 315 W 5th St #200, Benton, KY 42025 +1 (270) 527 - 4344
Mariner Finance 456 Hudson Park Dr, Madisonville, KY 42431 +1 (270) 825 - 0460
First American Cash Advance 2845 W Parrish Ave j, Owensboro, KY 42301 +1 (270) 688 - 8448
Airport Gardens Quick Cash 1495 Combs Rd 102, Hazard, KY 41701 +1 (606) 435 - 1553
Carter's Check Cashing 523 E Main St, Grayson, KY 41143 +1 (606) 474 - 6811

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ferguson, 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, 24-Hour Loan in Hopkinsville, KY, Payday Loans in Louisville, KY, Payday Loan for Owensboro, KY and Payday Loan Companies 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 Ferguson, KY.

Beautiful sights of Ferguson, KY

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

42533

Are Payday Loans Legal In Ferguson, 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

Ferguson, KY payday loan calculator

Everything You Need to Know About Payday Loans in Ferguson, Kentucky

Payday loans are short-term loans that are designed to help individuals in need of fast cash. They can be a great option for people who need money quickly, and they are often used to cover unexpected expenses or emergencies.

In Ferguson, Kentucky, payday loans are legal for check cashers. This means that if you need a payday loan in Ferguson, you should be able to find a lender who can help you. However, it’s important to understand the rules and regulations surrounding payday loans in Kentucky before you apply.

Understanding Payday Loans in Kentucky

Before you apply for a payday loan in Ferguson, it’s important to understand the laws surrounding payday loans in Kentucky. Here are a few things you should know:

Loan Amount Limits

In Kentucky, payday loans are limited to $500 per loan. However, you can have up to two outstanding payday loans at any given time, as long as the total amount borrowed is not more than $500.

Loan Term Limits

Payday loans in Kentucky have a maximum term of 60 days. This means that you will typically have to pay back your loan within 60 days of receiving the funds.

Interest Rates and Fees

Kentucky law allows payday lenders to charge up to $15 per $100 borrowed in fees. This means that if you borrow $100, you could be charged up to $15 in fees. However, the actual interest rate on your loan could be much higher.

It’s important to note that payday loans are typically very expensive, so it’s important to use them responsibly and only if you have no other options. If you can’t pay back your loan on time, you could be hit with fees and additional charges, which could make it even harder to get out of debt.

Applying for a Payday Loan in Ferguson, Kentucky

If you need a payday loan in Ferguson, Kentucky, you can apply online or in person at a check cashing store. However, before you apply, it’s important to do your research and make sure you understand the terms and conditions of the loan.

When you apply for a payday loan, you will typically need to provide the following information:

  • Your name, address, and contact information
  • Your employment information, including your employer’s name and contact information
  • Your bank account information, including your account number and routing number
  • Your Social Security number
  • Proof of income, such as a pay stub or bank statement

Once you have applied for a payday loan, the lender will review your information and determine whether to approve your application. If you are approved, you will typically receive your funds within a few business days.

Interesting Facts and Statistics About Payday Loans in Ferguson, Kentucky

  • According to the Kentucky Coalition for Responsible Lending, the average interest rate on payday loans in Kentucky is 391 percent.
  • In Kentucky, payday lenders are not permitted to threaten criminal action for non-payment of a loan.
  • The Kentucky Center for Economic Policy reports that payday lenders in Kentucky took in over $184 million in fees in 2019.

Apply Now

At TheGuaranteedLoans, we are a connector service that can help you find a lender for your payday loan needs. Simply fill out our online application and we will connect you with potential lenders who can help you get the cash you need. Remember, we are not a direct lender, and we do not make credit decisions. Instead, we help connect borrowers with lenders who can meet their needs.

Apply now and get connected with a lender today!

F.A.Q.

Can I be denied a payday loan in Ferguson, Kentucky based on my credit score?

No, payday lenders in Ferguson, Kentucky are not allowed to deny a loan based on your credit score. However, a low credit score may affect the terms and conditions of the loan.

How do I know if a payday lender is licensed to operate in Ferguson, Kentucky?

To check if a payday lender is licensed to operate in Ferguson, Kentucky, you can visit the Kentucky Office of Financial Institutions website and search for their name or license number.