Payday Loans in Jetson, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 131 S Main St, Harlan, KY 40831 +1 (606) 574 - 1991
Cash Express 210 S 1st St, La Grange, KY 40031 +1 (502) 225 - 4886
Lincoln Financial 401 Frederica St, Owensboro, KY 42301 +1 (270) 684 - 0002
Cash Express 511 E Main St A, Warsaw, KY 41095 +1 (859) 904 - 0045
Limestone Bank 202 N Main St, Greensburg, KY 42743 +1 (270) 932 - 4281
Peoples Cash Advance 509 S L Rogers Wells Blvd ste d, Glasgow, KY 42141 +1 (270) 659 - 0621
Laurel Financial 1108 S Main St, London, KY 40741 +1 (606) 864 - 5626
Lendmark Financial Services LLC 1714 Perryville Rd Suite B4, Danville, KY 40423 +1 (859) 236 - 8589
First Financial Credit 295 Campbellsville Bypass Ste. 2, Campbellsville, KY 42718 +1 (270) 789 - 6818
Advance America 1869 N 25th St, Middlesboro, KY 40965 +1 (606) 248 - 5117

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jetson, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Florence, KY, Short-term Loans in Georgetown, KY, Emergency Loan in Hopkinsville, KY, No Credit Check Loans in Louisville, KY, Payday Loan for Owensboro, KY and No Credit Check 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 Jetson, KY.

Are Payday Loans Legal In Jetson, 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

Jetson, KY payday loan calculator

Understanding Payday Loans in Jetson, Kentucky

Life can be unpredictable, and despite the best-laid plans, emergencies will occur. You may require quick funds on short notice to meet urgent needs or pay unexpected expenses. Fortunately, in Jetson, Kentucky, payday loans are a legal option available for those that need fast cash to cover an expense. Read on to learn everything you need to know about payday loans in Jetson, Kentucky.

What are Payday Loans?

A payday loan is a short-term loan that is typically due on your next payday or within two weeks of borrowing the money. The loans are meant to be a quick fix for people who require cash immediately. The borrower writes a post-dated check for the loan amount, plus fees and interest, and the lender cashes it once the borrower’s paycheck comes in. Alternatively, the borrower may authorize the lender to withdraw funds directly from their bank account.

What are the Requirements for a Payday Loan in Jetson, Kentucky?

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

  • Have an active checking or savings account
  • Show proof of income
  • Show proof of identification, such as a driver’s license or ID card
  • Be at least 18 years old

While a poor credit score typically doesn’t affect your eligibility for a payday loan, a lender may reject your application if you have an outstanding payday loan or have defaulted on one previously.

What are the Costs of a Payday Loan?

Payday loan fees in Jetson, Kentucky are capped at $15 for every $100 borrowed. For example, if you borrow $100, you will be charged a $15 fee, bringing your total repayment amount to $115.

When calculating the fee, the lender can also include a verification fee of up to $1 and interest on the loan amount capped at 36%.

What are the Risks of Payday Loans?

High Fees and Interest Rates: Payday loans have high fees and interest rates, making them an expensive borrowing option. Since most borrowers cannot repay the loan, plus service fees and interest on their next payday, they usually have to renew the loan, which incurs even more costs.

Debt Cycle: Taking out several payday loans to cover expenses can lead to a cycle of debt that is challenging to break.

Credit Score Damage: A payday loan can negatively impact the borrower’s credit score if they are unable to pay back the loan, leading to decreased chances of getting loans in the future.

Interesting Facts and Statistics about Payday Loans in Jetson, Kentucky

  • There are over 500 payday loan stores in Kentucky
  • Kentucky is the 26th most populous state in the United States, with a population of about 4.5 million
  • The average payday loan amount is $350, and the average APR is around 460%
  • The maximum loan amount in Kentucky is $500

Apply Now

If you need quick money to cover expenses, TheGuaranteedLoans can help connect you with potential lenders. Our online application is simple, fast, and secure. We are not a direct lender, but we will help you find a lender that suits your needs.

Simply fill out our application form with your information, and we will match you with lenders that may be able to help you. Once you are connected with a lender and your loan application is approved, you can receive funds in as little as one business day.

Conclusion

Payday loans can be a saving grace for those who need quick access to funds. However, they can be expensive and carry significant risks. Before taking out a payday loan, ensure that you understand the costs and risks involved, and only borrow if you can afford to repay on time.

TheGuaranteedLoans is not a lender, but we are a connection service that can help you find a lender that suits your needs. If you need quick access to funds, fill out our application form to get started today.

F.A.Q.

How do I repay a payday loan in Jetson, Kentucky?

Payday loans in Jetson, 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 Jetson, Kentucky?

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