Payday Loans in Gray Hawk, Kentucky

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

Company nameAddressZip codePhone number
Whitaker Bank 140 E Main St, Morehead, KY 40351 +1 (606) 784 - 8966
Regency Finance Company 8470 US-42, Florence, KY 41042 +1 (859) 282 - 1500
Cash Express 101 N Cross St, Albany, KY 42602 +1 (606) 387 - 0531
Raymond James 140 N Main St, Henderson, KY 42420 +1 (270) 831 - 1505
Community Trust Bank 1527 Ewing Rd, Ewing, KY 41039 +1 (606) 267 - 2061
Heritage Bank 10499 US-27, Butler, KY 41006 +1 (859) 472 - 7231
First Community Bank 26 2nd St, Vanceburg, KY 41179 +1 (606) 796 - 3086
Sacramento Deposit Bank 335 Main St, Sacramento, KY 42372 +1 (270) 736 - 2212
World Finance 2229 W Everly Brothers Blvd, Powderly, KY 42367 +1 (270) 338 - 6766
Kentucky Highlands Investment 362 Old Whitley Rd, London, KY 40744 +1 (606) 864 - 5175

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gray Hawk, KY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Florence, KY, Same Day Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Short-term Loans in Louisville, KY, Payday 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 Gray Hawk, KY.

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

40434, 40447

Are Payday Loans Legal In Gray Hawk, 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

Gray Hawk, KY payday loan calculator

Payday Loans in Gray Hawk, Kentucky: What You Need to Know

If you’re in Gray Hawk, Kentucky, and need quick cash, you might be considering a payday loan. Payday loans are small, short-term loans with high-interest rates that are designed to help you cover unexpected expenses until your next paycheck.

Before you apply for a payday loan, it’s important to understand the regulations surrounding them in Kentucky. Payday loans are legal in the state, but only for check cashers. Licensed lenders are not allowed to offer payday loans.

How does a payday loan work?

To apply for a payday loan, you typically need to provide proof of income and a post-dated check for the amount you want to borrow plus fees. The lender will then give you the cash you need, and you’ll be expected to pay it back, plus the fees, on your next payday.

What are the fees and interest rates?

In Kentucky, payday lenders are allowed to charge up to $15 per $100 borrowed. This means that if you borrow $100, you’ll need to pay back $115 on your next payday. The interest rates can add up quickly, so it’s important to only borrow what you can afford to repay.

What are the risks of payday loans?

Payday loans can be risky if you’re not careful. If you’re unable to repay the loan on your next payday, the lender may offer to renew or rollover the loan. This means you’ll have to pay additional fees and interest, which can make the loan even more expensive.

If you’re unable to repay the loan at all, the lender may take legal action against you. This can result in wage garnishment, which means the lender can take money directly from your paycheck to repay the loan.

Alternatives to payday loans

If you’re in need of quick cash, there are alternatives to payday loans. One option is to ask your employer for an advance on your paycheck. Another option is to apply for a personal loan from a bank or credit union.

If you’re struggling with debt, it may be helpful to speak with a credit counselor. They can help you come up with a plan to pay off your debt and avoid borrowing money in the future.

Interesting facts or statistics about payday loans in Gray Hawk, Kentucky

– According to a report from the Kentucky Coalition for Responsible Lending, the average payday loan in Kentucky is for $319 and has an APR of 339%.
– In 2019, there were 580 licensed check cashing locations in Kentucky.
– Payday lending is a $9 billion industry in the United States.

Apply Now

At TheGuaranteedLoans, we can connect you with lenders who offer payday loans in Gray Hawk, Kentucky. But remember, we’re not a direct lender ourselves. We simply facilitate the connection between you and potential lenders.

To apply for a payday loan, simply fill out our online application. We’ll ask you for some basic information, such as your name, address, and income. Once you’ve submitted your application, we’ll forward it to potential lenders who may be able to help.

Conclusion

Payday loans can be a viable option for those in need of quick cash, but they come with risks. It’s important to only borrow what you can afford to repay and to have a plan in place to repay the loan.

If you’re considering a payday loan in Gray Hawk, Kentucky, be sure to do your research and understand the regulations surrounding them in the state. And if you decide to apply, consider using TheGuaranteedLoans as a way to connect with potential lenders.

F.A.Q.

How do I repay a payday loan in Gray Hawk, Kentucky?

Payday loans in Gray Hawk, 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 Gray Hawk, Kentucky?

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