Payday Loans in Gracey, Kentucky

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

Company nameAddressZip codePhone number
BB&T 200 Professional Ln, Harlan, KY 40831 +1 (606) 573 - 8300
BB&T 31 Outlet Ave, Eddyville, KY 42038 +1 (270) 388 - 2241
Tru Check Inc 1009 Hustonville Rd, Danville, KY 40422 +1 (859) 239 - 0052
FirstBank 1520 Old Gallatin Rd, Scottsville, KY 42164 +1 (270) 237 - 3141
Citizens Bank, The 335 Prestonsburg St, West Liberty, KY 41472 +1 (606) 743 - 1501
Farmers National Bank 304 W Main St 1814, Danville, KY 40422 +1 (859) 236 - 2926
World Finance 1215 N Main St Ste 18, Monticello, KY 42633 +1 (606) 348 - 9308
Cash Express 5171 N Mayo Trail, Pikeville, KY 41501 +1 (606) 437 - 1622
Cash Express 209 N Main St, Elkton, KY 42220
Cash Express 101 S 2nd St, Central City, KY 42330 +1 (270) 754 - 9918

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Gracey, KY

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

42232

Are Payday Loans Legal In Gracey, 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

Gracey, KY payday loan calculator

Payday Loans in Gracey, Kentucky: All You Need to Know

Payday loans are becoming increasingly popular in Gracey, Kentucky, as more people turn to them for financial assistance. These are short-term loans that are designed to help people meet their immediate financial needs. While payday loans can be helpful, they can also have high interest rates and fees that can be difficult to pay off.

The Basics of Payday Loans

Payday loans are small-dollar loans that come with high interest rates and fees. They are typically due on your next payday, and they can be a lifesaver for people who need money quickly. If you’re considering a payday loan, it’s important to understand the basics, including:

  • The loan amount: Payday loans are generally for small amounts, typically no more than a few hundred dollars.
  • The fees: Payday loans come with high fees. These fees can be a percentage of the loan amount or a flat fee.
  • The repayment period: Payday loans are generally due on your next payday, which is usually within a few weeks of receiving the loan.
  • The APR: The APR for payday loans can be extremely high, often several hundred percent.

The Pros and Cons of Payday Loans

While payday loans can be helpful in certain situations, they can also be costly and difficult to pay off. It’s important to weigh the pros and cons before deciding if a payday loan is the right choice for you.

The Pros:

  • Quick and easy: Payday loans are often processed quickly, which can provide you with funds when you need them urgently.
  • No credit check: Payday loans do not require a credit check, which can be beneficial if you have poor credit.
  • Convenient: You can apply for a payday loan online or in person at a local check cashing store.

The Cons:

  • High fees: Payday loans come with high fees, which can make it difficult to pay them off in a short period of time.
  • Short repayment period: Payday loans are generally due on your next payday, which can be difficult if you’re already struggling financially.
  • Roll over fees: If you’re unable to pay off your loan on time, you may be charged a roll over fee, which can add to the total amount you owe.

Interesting Facts and Statistics about Payday Loans in Gracey, Kentucky

  • As of 2019, there were over 600 payday lending locations in Kentucky.
  • The average payday loan in Kentucky is $350, with an average term of 14 days.
  • The maximum amount you can borrow in Kentucky is $500.
  • Kentucky law requires payday lenders to disclose all fees and interest rates to borrowers.

Apply Now with TheGuaranteedLoans

If you’re in need of financial assistance, TheGuaranteedLoans can help you connect with potential lenders. We’re a connector service, not a direct lender, and we make it easy to apply for a payday loan online. Simply visit our website, fill out the online application, and we’ll work to connect you with potential lenders in your area.

Our process is quick and easy, and it can provide you with the funds you need to meet your immediate financial needs.

Remember, payday loans may not be the best long-term solution to your financial needs. Be sure to carefully consider the terms and fees before borrowing, and always pay back your loan on time to avoid additional fees.

F.A.Q.

Can I cancel or void my payday loan in Gracey, Kentucky?

Yes, you have the right to cancel or void your payday loan within 14 days of signing the loan agreement in Gracey, Kentucky.

Can I be charged a penalty for prepaying my payday loan in Gracey, Kentucky?

No, you cannot be charged a penalty for prepaying your payday loan in Gracey, Kentucky.