Payday Loans in Garner, Kentucky

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

Company nameAddressZip codePhone number
U.S. Bank Branch 5531 Reidland Rd, Paducah, KY 42003 +1 (270) 898 - 5110
First & Farmers National Bank 101 Plaza Dr, Albany, KY 42602 +1 (606) 387 - 9850
Bluegrass Check Advance 530 S Main St, Leitchfield, KY 42754 +1 (270) 259 - 0047
BB&T 102 Broadway St, Cave City, KY 42127 +1 (270) 773 - 2156
Speedy Cash 3921 N Mayo Trail, Pikeville, KY 41501 +1 (606) 437 - 9100
Cash Express 228 E Main St, Richmond, KY 40475 +1 (859) 623 - 1903
Farmers National Bank 101 Shelby Jct Ln, Junction City, KY 40440 +1 (859) 854 - 5006
Bluegrass Check Advance 810 W Main St, Glasgow, KY 42141 +1 (270) 629 - 5717
Eagle Finance 7791 Dixie Hwy Suite B, Florence, KY 41042 +1 (859) 525 - 9725
Purpose Financial 969 S Main St, Nicholasville, KY 40356 +1 (859) 885 - 7866

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garner, 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, Online Loans in Hopkinsville, KY, Payday Loans in Louisville, KY, Payday Loan Without a Credit Check 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 Garner, KY.

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

41839

Are Payday Loans Legal In Garner, 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

Garner, KY payday loan calculator

Payday Loans in Garner, Kentucky

Payday loans can be an invaluable source of quick cash for people who are facing an unexpected financial difficulty. However, it’s important to remember that these loans come with high interest rates, making them a less-than-ideal long-term solution. Here, we will explore the ins and outs of payday loans in Garner, Kentucky, discussing everything you need to know before you consider applying.

What Are Payday Loans And How Do They Work?

A payday loan is a small, short-term loan that typically ranges from $50 to $500. These loans are due in full on your next payday and come with high interest rates and fees. To apply for a payday loan in Garner, Kentucky, you must be at least 18 years old, have government-issued identification, proof of income, and an active checking account. You can apply at a check cashing store or online.

The way payday loans work is simple: You borrow a set amount of money. When your loan is due, typically on your next payday, you pay back the full amount plus interest and fees. If you’re unable to pay back the loan, you may be able to extend it, but additional fees and interest rates will apply. In some cases, borrowers end up paying more in fees and interest than the original loan amount, leading to a cycle of debt.

Are Payday Loans Legal in Garner, Kentucky?

Payday loans are legal in Garner, Kentucky, but only for check cashing businesses. Under state law, payday lenders must be licensed, and they cannot charge more than 15% of the value of the check they cash. These lenders are also required to provide clear information about the terms and conditions of the loan, including the interest rate and fees.

What Are the Pros and Cons of Payday Loans?

Like any financial product, payday loans have both pros and cons. Here are a few things to consider:

Pros:

  • Quick access to cash
  • No credit check required
  • Relatively simple application process

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potential to fall into a cycle of debt

It’s important to carefully consider the pros and cons of payday loans before applying. Will the high interest rates and fees be worth it for the quick access to cash? Or can you find another way to cover your expenses without going into debt?

Interesting Facts And Statistics About Payday Loans In Garner, Kentucky

Here are some interesting facts and statistics about payday loans in Garner, Kentucky:

  • Kentucky is one of 27 states that allow payday lending.
  • In Kentucky, borrowers are allowed to take out a maximum of two loans at a time, with a total combined amount of $500.
  • The average payday loan in Kentucky is $339, and the average term is 14 days.
  • According to the Kentucky Coalition for Responsible Lending, the typical annual percentage rate (APR) for a payday loan in the state is 391%.

Apply Now for a Payday Loan in Garner, Kentucky

If you’re facing an unexpected expense and need quick cash, a payday loan may be a viable option. However, it’s important to remember that these loans come with high interest rates and fees, making them a less-than-ideal long-term solution. At TheGuaranteedLoans, we are committed to helping you find the right financial solution for your needs. We are a connector service that can help facilitate your connection with potential lenders, who can provide you with more information about payday loans in Garner, Kentucky.

To apply now, simply fill out our online application, providing us with some basic information about your income, employment, and financial needs. Once you submit your application, we will work with potential lenders to find the best match for your needs. Remember, TheGuaranteedLoans is not a direct lender, and we do not make any lending decisions. However, our goal is to help you find the financial solution that will work best for your unique situation.

F.A.Q.

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

Yes, you can apply for a payday loan online in Garner, 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 Garner, Kentucky?

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