Payday Loans in Kettle Island, Kentucky

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

Company nameAddressZip codePhone number
U.S. Bank Branch 120 Mabry Dr, Morehead, KY 40351 +1 (606) 784 - 9689
World Finance 219 Letton Dr, Paris, KY 40361 +1 (859) 987 - 9970
U.S. Bank ATM - Loretto 4695 KY-52, Loretto, KY 40037 +1 (800) 872 - 2657
World Finance 162 Appalachian Plaza, South Williamson, KY 41503 +1 (606) 237 - 5115
South Central Bank 211 Main St, Fountain Run, KY 42133 +1 (270) 434 - 2281
World Finance 7694 Liberty Rd, West Liberty, KY 41472 +1 (606) 462 - 2131
Montana Capital Car Title Loans 1902 Russellville Rd, Bowling Green, KY 42101 +1 (270) 494 - 1830
Quick Cash 534 N Main St, Stanton, KY 40380 +1 (606) 663 - 0786
Cash Express 311 US Hwy 62 Suite B & C, Princeton, KY 42445 +1 (270) 365 - 1708
BB&T 501 Monmouth St, Newport, KY 41071 +1 (859) 655 - 3100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kettle Island, 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 Loan Without a Credit Check 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 Kettle Island, KY.

Are Payday Loans Legal In Kettle Island, 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

Kettle Island, KY payday loan calculator

Payday Loans in Kettle Island, Kentucky

If you’re in need of quick cash in Kettle Island, Kentucky, a payday loan may be an option for you. Payday loans are a type of short-term loan that can provide borrowers with immediate funds to cover unexpected expenses. In Kentucky, payday lending is legal, but only for licensed check cashers.

Before deciding to take out a payday loan, it’s important to understand how they work and the potential risks involved. This article will provide a comprehensive overview of payday loans in Kettle Island, Kentucky, and what you should consider before applying.

How Payday Loans Work

Payday loans are typically small-dollar loans that are due to be repaid in full on your next payday. To apply for a payday loan in Kettle Island, Kentucky, you’ll need to provide proof of income, a valid ID, and a checking account. If approved, you may be able to receive your funds in as little as one business day.

While payday loans can offer immediate relief for unexpected expenses, they can also come with high interest rates and fees. In Kentucky, lenders can charge up to $15 for every $100 borrowed, and borrowers can take out up to two payday loans at a time, with a maximum loan amount of $500 per loan. It’s important to understand the total cost of the loan, including any fees and interest, before applying.

The Risks of Payday Loans

While payday loans can be helpful in emergencies, they can also come with significant risks. The high interest rates and fees associated with payday loans can make it difficult to repay the loan on time, leading to a cycle of debt. In fact, according to a report by the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or followed by another loan within two weeks.

It’s important to carefully consider whether a payday loan is the best option for your financial situation. If you’re unable to repay the loan on time, you may be subject to additional fees and even more debt. If you find yourself in a cycle of debt, it may be beneficial to seek out assistance from a financial advisor or credit counseling service.

Interesting Facts and Statistics about Payday Loans in Kettle Island, Kentucky

  • There are currently 32 licensed check cashers in Kentucky offering payday loans. (Source: Kentucky Department of Financial Institutions)
  • In Kentucky, payday lenders cannot pursue legal action against borrowers who default on their loans. (Source: Kentucky Department of Financial Institutions)
  • The average payday loan in Kentucky is $340, and the average APR is 460%. (Source: Kentucky Equal Justice Center)
  • According to the Pew Charitable Trusts, payday loans are particularly prevalent among income groups earning less than $40,000 per year, African Americans, and people with little formal education.

Apply Now

If you’re considering a payday loan in Kettle Island, Kentucky, TheGuaranteedLoans can help. We are a connector service, connecting borrowers with potential lenders. Fill out our online application to get started, and we’ll work to connect you with a lender who can meet your financial needs. Remember to carefully consider the terms and conditions of any loan offer before accepting.

Overall, payday loans can provide quick relief for unexpected expenses, but they can also come with significant risks. It’s important to understand the terms and conditions of any loan offer before accepting, and to carefully consider whether a payday loan is the best option for your financial situation.

F.A.Q.

Can I apply for a payday loan online in Kettle Island, Kentucky?

Yes, you can apply for a payday loan online in Kettle Island, 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 Kettle Island, Kentucky?

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