Payday Loans in Harrods Creek, Kentucky

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

Company nameAddressZip codePhone number
Personal Finance Company 834 Paris Rd, Mayfield, KY 42066 +1 (270) 247 - 5008
5 Star Pawn 418 S 1st St, La Grange, KY 40031 +1 (502) 222 - 3299
Cash Advance Centers of KY 308 35th St, Catlettsburg, KY 41129 +1 (606) 739 - 0224
Regions Bank 1104 Paris Rd, Mayfield, KY 42066 +1 (270) 248 - 7970
First & Farmers National Bank 224 Public Square, Columbia, KY 42728 +1 (270) 384 - 2361
US Cash Advance 7953 Mall Rd, Florence, KY 41042 +1 (859) 594 - 4300
BB&T 164 Main St, Pikeville, KY 41501 +1 (606) 433 - 5500
Cash Express 507 US-25 d, Corbin, KY 40701 +1 (606) 526 - 5877
Cash Express 624 N 3rd St Suite 101, Bardstown, KY 40004 +1 (502) 331 - 0100
Monticello Banking Company 611 Wallace Wilkinson Blvd, Liberty, KY 42539 +1 (606) 787 - 2046

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Harrods Creek, 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

Harrods Creek, KY payday loan calculator

Payday Loans in Harrods Creek, Kentucky

Payday loans are a fast and convenient way to get the cash you need when you’re facing financial troubles. But what are they, exactly? In short, payday loans are small, short-term loans that typically come with high-interest rates, fees, and other charges. They’re designed to help you cover unexpected expenses and emergencies by letting you borrow money against your next paycheck.

How Do Payday Loans Work in Harrods Creek, Kentucky?

If you’re in Harrods Creek, Kentucky, you can legally apply for payday loans with check cashers. These are businesses that specialize in cashing checks and providing short-term loans. The process is usually quick and straightforward. You fill out an application with personal and income information, and if approved, you receive the loan funds typically within one business day.

The loan amount you qualify for will depend on factors such as your income and credit history. In Harrods Creek, you can borrow up to $500 from check cashers, and the repayment term is typically two weeks. The interest rates may vary depending on the lender and other factors, so it’s important to read the loan agreement carefully before signing.

The Pros and Cons of Payday Loans in Harrods Creek, Kentucky

Like any financial product, payday loans have their pros and cons. On one hand, they can provide a fast injection of cash when you’re in a tight spot and have no other options. They don’t require a credit check, so even those with poor credit can get approved. On the other hand, payday loans come with high-interest rates and a host of other fees that can make them expensive. They can trap you in a cycle of debt if you’re unable to repay the loan in full on time.

Before taking out a payday loan in Harrods Creek, make sure you’ve considered the pros and cons and explored other options. Ask yourself whether you really need the loan and if you can afford to repay it quickly. Consider alternatives such as personal loans, credit cards, and overdraft protection, which may offer lower interest rates and fees.

How to Apply for a Payday Loan in Harrods Creek, Kentucky

Applying for a payday loan in Harrods Creek is easy. Simply find a check casher that offers these loans, fill out an application, and provide the required documentation, such as proof of income and identification. If you’re approved, you’ll receive the loan funds typically within one business day.

However, keep in mind that TheGuaranteedLoans is not a direct lender. We are a connector service, which means we connect borrowers like you with potential lenders who may offer payday loans in Harrods Creek, Kentucky. We make the process easy, fast, and secure, so you can get connected with lenders quickly and efficiently.

Apply Now

If you’re facing a financial emergency and need a payday loan in Harrods Creek, Kentucky, apply now with TheGuaranteedLoans. Our online application form is simple and secure, and we’ll connect you with lenders who may be able to help. Remember, payday loans should only be used as a last resort, and always borrow responsibly.

Interesting Facts and Statistics about Payday Loans in Harrods Creek, Kentucky

  • Kentucky is one of 27 states that cap the interest rate for payday loans. The maximum interest rate in Kentucky is 15%, plus a $1 credit check fee.
  • The average payday loan in Kentucky is $375.
  • Kentucky has over 500 payday lending locations across the state.
  • In 2020, Kentucky borrowers paid over $48 million in fees and interest on payday loans.

Conclusion

Payday loans can provide a quick solution to unexpected expenses and emergencies, but they come with high-interest rates and fees. If you’re in Harrods Creek, Kentucky, and considering a payday loan, make sure you understand the costs and risks involved and consider alternatives. Apply now with TheGuaranteedLoans and let us connect you with lenders who may be able to help.

F.A.Q.

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

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

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