Payday Loans in Kings Mountain, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 134 KY-80, Hyden, KY 41749 +1 (606) 672 - 4246
Raymond James 304 Main St, Murray, KY 42071 +1 (270) 753 - 7335
U.S. Bank Branch 202 Main St, Augusta, KY 41002 +1 (606) 756 - 2165
Hazard Check Exchange 151 E Main St #5, Hazard, KY 41701 +1 (606) 436 - 0411
Dan's Discount Jewelry & Pawn 499 US-27, Somerset, KY 42501 +1 (606) 678 - 0006
Chase Bank 11 S Grand Ave, Fort Thomas, KY 41075 +1 (859) 441 - 6294
Ace Pawn Shop 10343 Regina Belcher Hwy, Elkhorn City, KY 41522 +1 (606) 754 - 0503
Community Trust Bank 105 Northgate Dr, Pikeville, KY 41501 +1 (606) 437 - 3323
Citizens Commerce Bank 534 Marsailles Rd, Versailles, KY 40383 +1 (859) 879 - 9455
Cash Tyme 706 N. Green St., A, Henderson, KY 42420 +1 (270) 826 - 4100

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Kings Mountain, 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

Kings Mountain, KY payday loan calculator

Payday Loans in Kings Mountain, Kentucky

When life throws unexpected expenses your way, it can create a sense of financial uncertainty and stress. If you’re in need of some extra cash to tide you over until your next paycheck, a payday loan could be an option to consider. Kings Mountain, Kentucky, is just one of the many places in the state where this type of lending is legal – but what exactly are payday loans, and how do they work?

What are Payday Loans?

Payday loans are short-term, high-interest loans that are meant to be paid back with your next paycheck. Typically, these loans are for smaller amounts — anywhere from $100 to $1,000 or more, depending on the lender and your income. Many people use payday loans to cover unexpected expenses, such as car repairs or medical bills, or to avoid late payment fees or overdraft charges.

Unlike traditional loans, which are typically paid back in installments, payday loans are due in full at your next payday. This can be anywhere from a week to a month, depending on when you get paid. Because of this, these loans can be helpful for people who need money quickly but don’t have the credit score or income for traditional types of loans.

How to Apply for a Payday Loan in Kings Mountain, Kentucky

If you’re interested in getting a payday loan in Kings Mountain, Kentucky, there are a few steps you’ll need to follow. First, find a lender that operates in the area. You can do this by searching online or in phone books, or by visiting physical storefronts in the area. Typically, you’ll need to provide some basic information to apply, such as your name, address, and income level.

Once you’ve submitted your application, the lender will review it and determine whether to approve you for a loan. If you’re approved, you’ll receive the loan funds either in cash or in your bank account — it depends on the lender and your preferences. From there, you’ll be responsible for paying back the loan and any associated fees on or before your next payday.

What to Consider Before Applying for a Payday Loan

While payday loans can be a helpful solution for some people, it’s important to consider the potential risks and drawbacks before getting one. For one thing, they come with very high interest rates — often as high as 400% APR or more. This means that if you don’t pay the loan back quickly, you could end up paying much more in interest than you borrowed originally.

Additionally, some payday lenders have been known to engage in predatory lending practices, taking advantage of borrowers who may not fully understand the terms of their loan. To avoid this, make sure you read the fine print and understand exactly how much you’ll be paying in fees and interest before agreeing to a loan.

Interesting Facts and Statistics about Payday Loans in Kings Mountain, Kentucky

  • Kings Mountain, Kentucky has a population of just over 6,000 people.
  • As of 2021, there were at least 10 payday lenders operating in the area.
  • In Kentucky, payday loans are legal for check cashers only.
  • The maximum amount you can borrow through a payday loan in Kentucky is $500.
  • Kentucky state law requires payday lenders to disclose all fees and interest rates up front in writing.

Apply Now

If you’re in need of a payday loan in Kings Mountain, Kentucky, TheGuaranteedLoans can help. We’re a connector service that can help match you with potential lenders in the area. Simply fill out our online application, and we’ll use the information you provide to find lenders who may be able to offer you a loan. Keep in mind that we’re not a direct lender, but rather a means of helping you connect with lenders who can make the process easy and convenient for you.

Even if you have bad credit or don’t have a traditional income source, TheGuaranteedLoans may be able to help you find a lender that can work with you.

Conclusion

Overall, payday loans can be a solution for people who need quick cash to cover unexpected expenses. However, it’s important to be aware of the potential pitfalls and to make sure that you fully understand the terms of any loan before accepting it. If you’re considering a payday loan in Kings Mountain, Kentucky, reach out to TheGuaranteedLoans today to see if we can help you connect with a lender who can meet your needs.

F.A.Q.

Can I be denied a payday loan in Kings Mountain, Kentucky based on my credit score?

No, payday lenders in Kings Mountain, Kentucky are not allowed to deny a loan based on your credit score. However, a low credit score may affect the terms and conditions of the loan.

How do I know if a payday lender is licensed to operate in Kings Mountain, Kentucky?

To check if a payday lender is licensed to operate in Kings Mountain, Kentucky, you can visit the Kentucky Office of Financial Institutions website and search for their name or license number.