Payday Loans in Girdler, Kentucky

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

Company nameAddressZip codePhone number
Town Square Bank 621 12th St, Ashland, KY 41101 +1 (606) 929 - 9700
World Finance 335 E Center St, Madisonville, KY 42431 +1 (270) 821 - 7766
Taylor County Bank 201 Lebanon Ave, Campbellsville, KY 42718 +1 (270) 465 - 4196
World Finance 125 Sam Walton Dr Ste 110, Russellville, KY 42276 +1 (270) 725 - 8511
PNC Bank 365 Parkway Plaza, Barbourville, KY 40906 +1 (606) 545 - 5006
Mister Money 3501 Bardstown Rd, Louisville, KY 40218 +1 (502) 459 - 5200
Cash Express 162 Mini Mall Dr, Berea, KY 40403 +1 (859) 985 - 1157
C-Plant Federal Credit Union 1247 Paris Rd, Mayfield, KY 42066 +1 (270) 650 - 3100
Un Banc Inc 15936 Fort Campbell Blvd, Oak Grove, KY 42262 +1 (270) 439 - 5182
ky check advance 209 KY-15, Jackson, KY 41339 +1 (606) 666 - 7007

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Girdler, 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

Girdler, KY payday loan calculator

Payday Loans: What You Need to Know in Girdler, Kentucky

If you live in Girdler, Kentucky and are in need of a short-term loan, you may be considering a payday loan. These loans can provide quick access to cash, but they often come with high fees and interest rates. Here’s what you need to know.

How Do Payday Loans Work?

Payday loans are typically small loans, usually for $500 or less, that are meant to be repaid on your next payday. These loans are usually offered by check cashing businesses and online lenders.

To obtain a payday loan, you’ll need to show proof of employment, such as a pay stub, and a valid identification card. You’ll then need to sign a postdated check or authorize an electronic withdrawal that will cover the loan amount plus fees and interest.

If you are unable to repay the loan on the due date, you may be able to extend the loan for a fee or take out a new loan to cover the original loan plus additional fees and interest.

What Are the Fees and Interest Rates?

The fees and interest rates on payday loans can be very high. In Kentucky, check cashing businesses are allowed to charge up to $15 per $100 borrowed, with a maximum loan amount of $500 and a maximum loan term of 14 days. This translates to an annual percentage rate (APR) of 391%.

It’s important to carefully consider whether you can afford the fees and interest rates before taking out a payday loan. If you are unable to repay the loan on time, the fees and interest can quickly add up, leaving you in a cycle of debt.

What Are the Alternatives to Payday Loans?

If you’re in need of cash, there are several alternatives to payday loans that may be a better option. Some options include:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Borrowing from friends or family

These options may have lower fees and interest rates, or more flexible repayment terms. It’s important to shop around and compare all of your options before making a decision.

Interesting Facts and Statistics about Payday Loans in Girdler, Kentucky

  • In 2020, the total payday loan debt in Kentucky was $145,594,431
  • The average loan amount in Kentucky is $340
  • Kentucky has one of the highest average APRs for payday loans in the United States
  • In 2020, the most payday loan lenders were located in Louisville, Kentucky

Apply Now!

If you’ve considered all of your options and have decided that a payday loan is the best choice for you, TheGuaranteedLoans can connect you with potential lenders. As a connector service, we are not a direct lender, but we can assist you in finding the right lender for your needs.

Our online application process is quick and easy. Simply fill out the form, and we’ll work to connect you with potential lenders. It’s that simple!

Remember, it’s important to carefully consider all of your options and only take out a payday loan if you can afford the fees and interest rates. Use payday loans as a last resort, and always borrow responsibly.

F.A.Q.

How do I repay a payday loan in Girdler, Kentucky?

Payday loans in Girdler, Kentucky are typically repaid in full on the borrower's next payday, either by providing a post-dated check or authorizing electronic access to the borrower's checking account.

Can I apply for a payday loan if I am self-employed in Girdler, Kentucky?

Yes, individuals who are self-employed are eligible to apply for payday loans in Girdler, Kentucky. However, they may need to provide additional documentation to prove their income.