Payday Loans in Horse Branch, Kentucky

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

Company nameAddressZip codePhone number
Tom's Pay Day Express 311 Ferry St, Russell, KY 41169 +1 (606) 834 - 0146
Advance America 14949 N. US Hwy. 25, Ste. 2, Corbin, KY 40701 +1 (606) 258 - 8148
City National Bank 386 W Main St, Carlisle, KY 40311 +1 (859) 289 - 3400
Bullet Pawn Guns and Jewelry 425 S Green St STE B, Henderson, KY 42420 +1 (270) 827 - 3838
Fast Payday Loans 1230 US-127 #1, Frankfort, KY 40601 +1 (502) 875 - 1474
Heartland Credit Corporation 910 W Dixie Ave, Elizabethtown, KY 42701 +1 (270) 737 - 5858
Lease Zone 733 S Broadway St, Georgetown, KY 40324 +1 (502) 868 - 0002
Fast Payday Loans 407 W Dixie Ave, Elizabethtown, KY 42701 +1 (270) 765 - 3302
Square Lending 13 Public Square, Elkton, KY 42220 +1 (270) 265 - 6070
Merchant Cash Advance Kentucky - Small Business Loans Owensboro KY - Commercial Loans, Unsecured Loans, Construction Financing, & Invoice Factoring Jewell Rd, Owensboro, KY 42301 +1 (270) 767 - 6339

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Horse Branch, 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, Quick Loan in Hopkinsville, KY, Payday Loans in Louisville, KY, 24-Hour Loan 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 Horse Branch, KY.

Are Payday Loans Legal In Horse Branch, 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

Horse Branch, KY payday loan calculator

Understanding Payday Loans in Horse Branch, Kentucky

Financial emergencies can occur at any time, and when they do, they can be stressful and overwhelming. When you’re short on cash, a payday loan might seem like a good solution. However, before you apply for one, it’s crucial to know what you’re getting into, especially when it comes to the laws in Horse Branch, Kentucky.

What are payday loans?

Payday loans are short-term loans designed to help individuals bridge the gap between paychecks. They are typically smaller than traditional loans and are meant to be paid back quickly.

In Horse Branch, Kentucky, payday loans are legal, but only for check cashers. That means if you want to take out a payday loan, you’ll have to go through a check-cashing company to get one. The state has specific laws governing how much you can borrow, how long you have to repay the loan, and what fees and interest rates the lender can charge.

How do payday loans in Horse Branch, Kentucky work?

To apply for a payday loan in Horse Branch, Kentucky, you’ll need to provide a few pieces of information, including:

  • Your personal information, including your name, address, and Social Security number.
  • Employment and income information, including your employer’s name and contact information and your income amount.
  • Bank account information, including your account number and routing number.

The check-cashing company will use this information to determine how much you can borrow and what fees and interest rates they can offer you. If you’re approved, you’ll receive your funds either in cash or deposited directly into your bank account.

It’s essential to read the loan agreement carefully and understand the terms before you sign. Make sure you know how much you’ll owe, when it’s due, and what the consequences are if you can’t repay it on time.

What are the requirements for payday loans in Horse Branch, Kentucky?

To qualify for a payday loan in Horse Branch, Kentucky, you must:

  • Be at least 18 years old.
  • Be a legal resident of the United States.
  • Have a steady source of income.
  • Have an active checking account.
  • Provide a valid email address and phone number.

Keep in mind that requirements may vary depending on the lender, so it’s always a good idea to check with the check-cashing company you’re planning to use before applying.

What are the fees and interest rates for payday loans in Horse Branch, Kentucky?

Under Kentucky law, check cashers can charge up to $15 per $100 borrowed in fees, plus interest. They cannot charge more than $1 for verification of the borrower’s employment. The maximum loan amount is $500, and the maximum loan term is 14 days.

It’s important to note that payday loans can be very expensive. The high fees and interest rates can make it difficult to repay the loan on time, which can lead to additional fees and charges.

Interesting Facts and Statistics about Payday Loans in Horse Branch, Kentucky

  • Horse Branch, Kentucky is a small town with a population of just over 200 people.
  • The state of Kentucky has some of the highest payday loan usage rates in the country, with more than 20% of residents reporting having used a payday loan service.
  • About 80% of payday loans in Kentucky are taken out by borrowers who end up renewing their loans, which means they roll over the loan, incurring additional fees and interest charges.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan and want to find a lender in Horse Branch, Kentucky, consider using a connector service like TheGuaranteedLoans. We work with a network of lenders to help you find the right loan for your needs.

Applying for a loan with TheGuaranteedLoans is easy. Simply fill out our online application with your personal and financial information, and our system will match you with potential lenders. We’ll then connect you with those lenders, and you can choose the one that works best for you.

Remember, TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. Instead, we facilitate the connection between borrowers and lenders. If you have any questions or concerns, feel free to reach out to our customer service team, and we’ll be happy to assist you.

Conclusion

When used responsibly, payday loans can be a helpful tool for individuals who need quick access to cash. However, it’s important to understand the laws and regulations in Horse Branch, Kentucky, and to be aware of the potential risks and costs associated with these types of loans.

By doing your research, carefully reading the loan agreement, and only borrowing what you can afford to repay, you can make an informed decision that works for your financial situation.

F.A.Q.

Are there any restrictions on the number of payday loans I can take out in Horse Branch, Kentucky?

Yes, you are only allowed to take out one payday loan at a time in Horse Branch, Kentucky.

Can I take out a payday loan if I have bad credit?

Yes, you can still take out a payday loan in Horse Branch, Kentucky even if you have bad credit.