Payday Loans in Hardin, Kentucky

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

Company nameAddressZip codePhone number
Mariner Finance 1321 E Broadway St, Campbellsville, KY 42718 +1 (270) 789 - 0035
Fifth Third Bank & ATM 1422 Winchester Ave, Ashland, KY 41101 +1 (606) 329 - 9797
WesBanco Bank 34 N Ft Thomas Ave, Fort Thomas, KY 41075 +1 (859) 442 - 7600
United Bank 3285 Main St, Stamping Ground, KY 40379 +1 (502) 535 - 6221
World Finance 2551 KY-227 Ste A, Carrollton, KY 41008 +1 (502) 732 - 0965
Bluegrass Check Advance and Payday Loans 2311 Fort Campbell Blvd, Hopkinsville, KY 42240 +1 (270) 885 - 0111
Cash Express 131 S Main St, Harlan, KY 40831 +1 (606) 574 - 1991
Mariner Finance 1701 Highway 121 Bypass N, A, Murray, KY 42071 +1 (270) 767 - 0382
CheckSmart 10023 Dixie Hwy, Louisville, KY 40272 +1 (502) 935 - 9905
World Finance 815 S Main St, London, KY 40741 +1 (606) 862 - 6660

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Hardin, KY

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

42048

Are Payday Loans Legal In Hardin, 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

Hardin, KY payday loan calculator

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

For many people, unexpected expenses can leave them struggling to pay bills and make ends meet. If you’re in this situation and live in Hardin, Kentucky, you may be considering a payday loan.

Before you apply for a payday loan, it’s important to understand what they are and how they work. This article will provide a comprehensive guide to payday loans in Hardin, Kentucky.

What are payday loans?

Payday loans are short-term loans designed to help people bridge the gap between paychecks. They’re typically for small amounts, usually up to $500, and are meant to be paid back in full on your next payday.

Payday loans can be a useful tool for people in need of quick cash, but they come with high interest rates and fees. It’s important to be aware of these costs before you apply.

Payday loan regulations in Hardin, Kentucky

While payday loans are legal in Kentucky, the state has put regulations in place to protect consumers. Check cashers are the only entities allowed to provide payday loans in Kentucky. The maximum amount you can borrow is $500 and you’re only allowed to have two loans at a time. Loans can’t exceed a term of 60 days and the interest rate can’t exceed 15% of the loan amount.

What do you need to apply for a payday loan in Hardin, Kentucky?

To apply for a payday loan in Hardin, Kentucky, you’ll need to have a few things on hand:

  • State-issued ID or driver’s license
  • Proof of income and employment
  • Checking account information

Most payday lenders in Hardin will also require you to provide a post-dated check or authorize a withdrawal from your bank account to repay the loan.

The pros and cons of payday loans

Payday loans can be a helpful solution to a short-term cash shortage, but they also come with risks. Here are some pros and cons to consider before you apply for a payday loan:

Pros:

  • Fast approval process – You can often get approved for a payday loan in just minutes.
  • No credit check required – Payday lenders don’t typically require a credit check, so you can get a loan even with poor credit.
  • No collateral required – Payday loans are unsecured, so you don’t need to put up any collateral to get approved.

Cons:

  • High interest rates – Payday loans come with high interest rates and fees, which can make them very expensive, especially if you can’t pay the loan back on time.
  • Cycle of debt – Some borrowers can get trapped in a cycle of debt, where they take out a new loan to pay off the old one, which can lead to a cycle of high-interest debt.
  • Low loan amounts – Payday loans are meant to be for small amounts, so if you need more than a few hundred dollars, a payday loan may not be enough.

Interesting Facts and Statistics About Payday Loans in Hardin, Kentucky

  • According to a 2019 study by the Pew Charitable Trusts, the average payday loan borrower in Kentucky takes out eight loans per year, with an average loan amount of $375.
  • As of 2021, there are over 1,000 licensed check cashers in Kentucky who are authorized to provide payday loans.
  • One-fourth of payday loan borrowers in Kentucky are seniors, according to a 2021 report by the Kentucky Coalition Against Domestic Violence.

Apply Now for a Payday Loan in Hardin, Kentucky

If you’re in need of quick cash to cover an unexpected expense, TheGuaranteedLoans can help. We’re a connector service that works with a network of potential lenders to help you find the right loan for your needs.

To get started, fill out our online application and our team will work to connect you with a potential lender. Remember, payday loans are a short-term solution, so it’s important to make sure you’re aware of the costs before you apply.

F.A.Q.

Are payday loans legal in Hardin, Kentucky?

Yes, payday loans are legal in Hardin, Kentucky.

What is the maximum loan amount I can borrow in Hardin, Kentucky?

The maximum loan amount you can borrow in Hardin, Kentucky is $500.