Payday Loans in Garfield, Kentucky

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

Company nameAddressZip codePhone number
First Farmers Bank 506 E Main St, Warsaw, KY 41095 +1 (859) 567 - 6100
Don Moore Nissan 4216 Frederica St, Owensboro, KY 42301 +1 (270) 926 - 2502
First National Bank of Kentucky 2639 KY-227, Carrollton, KY 41008 +1 (502) 732 - 8280
Whitaker Bank 39 Public Square, Lancaster, KY 40444 +1 (859) 792 - 3091
World Finance 335 E Center St, Madisonville, KY 42431 +1 (270) 821 - 7766
Quick Money, Pawn Shop, Payday Loans 1413 Highland Ave, Carrollton, KY 41008 +1 (502) 732 - 0884
Heights Finance Corporation 604 Ogden St, Somerset, KY 42501 +1 (606) 678 - 7521
Walmart Money Center 725 Campbellsville Bypass, Campbellsville, KY 42718 +1 (270) 789 - 0707
First Century Lending 120 S Hwy 27 2, Somerset, KY 42501 +1 (606) 678 - 2231
Cash Express 859 N Main St, Nicholasville, KY 40356 +1 (859) 887 - 4409

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Garfield, KY

Are Payday Loans Legal In Garfield, 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

Garfield, KY payday loan calculator

Garfield, Kentucky, is a small town with a population of just over 1,500 people. Despite its size, residents here have access to the same financial services as those in larger cities. One such service is the payday loan, which is useful for those who need quick cash but don’t have access to traditional lines of credit.

What are payday loans?

A payday loan is a type of short-term loan that is designed to help borrowers cover expenses until their next paycheck. These loans typically have high interest rates and fees but can be beneficial for those with poor credit or who need cash quickly.

In Garfield, Kentucky, payday loans are legal for check cashers to offer. However, payday lenders must follow certain regulations to protect consumers, such as limiting loan amounts and interest rates.

How do payday loans work in Garfield, Kentucky?

To apply for a payday loan in Garfield, Kentucky, you must provide proof of income and a valid photo ID. Once approved, you will be given a loan amount and a due date for repayment.

Most loans in this area can range from $50 to $500 and are typically due in two to four weeks. Interest rates and fees can vary depending on the lender, so it is important to shop around and compare options before choosing a payday loan provider.

What are the benefits of payday loans in Garfield, Kentucky?

Payday loans can be a helpful resource for those in need of quick cash. They are typically easy to obtain, with little paperwork or credit checks required. This can be especially beneficial for those with poor credit who may not qualify for traditional loans.

Additionally, payday loans can be helpful for those who need cash in emergencies. For example, if your car breaks down and you don’t have the money to repair it, a payday loan could help cover those costs until your next paycheck.

What are the risks of payday loans in Garfield, Kentucky?

While payday loans can be helpful, they also come with risks. The high interest rates and fees associated with these loans can make them difficult to pay back. This can lead to a cycle of debt, where borrowers take out new loans to pay off old ones.

Additionally, payday loans can be predatory in nature. Some lenders may target low-income individuals who are not able to pay off the loan on time. This can lead to additional fees and interest charges, which can make it even harder to pay back the loan.

Interesting Facts and Statistics about Payday Loans in Garfield, Kentucky

  • According to a study by the Kentucky Coalition for Responsible Lending, the average payday loan borrower takes out 10 loans per year.
  • In 2019, Kentucky lawmakers passed a bill that would cap payday loan interest rates at 36%. However, the bill did not make it into law.
  • In 2020, Kentucky had an estimated 10 payday loan storefronts per 100,000 people, according to the Center for Responsible Lending.

Apply Now:

If you are considering a payday loan in Garfield, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Our service is free and easy to use – simply fill out our online application form and we will match you with lenders who may be able to offer you a loan.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to help you find the best loan options available. Before agreeing to a loan, be sure to read the terms and conditions carefully and make sure you understand the interest rates and fees associated with the loan.

In conclusion, payday loans can be a useful tool for those who need quick cash in Garfield, Kentucky. However, it is important to proceed with caution and only take out a loan if you know you can pay it back on time. Remember, TheGuaranteedLoans is here to help connect you with potential lenders – apply now to get started!

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Garfield, Kentucky?

Yes, you can be sued or have your wages garnished if you default on your payday loan in Garfield, Kentucky.

Are there any consumer protection laws for payday loans in Garfield, Kentucky?

Yes, Kentucky has consumer protection laws for payday loans that regulate the terms and conditions of these loans.