Payday Loans in Lexington, Kentucky

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Payday Loan Companies in Lexington, KY

Company nameAddressZip codePhone number
Advance America 352 Southland Dr 40503 +1 (859) 277 - 2264
Advance America 1301 Winchester Rd #77 40505 +1 (859) 255 - 6378
AFC Automotive Finance Corp. 672 Blue Sky Pkwy 40509 +1 (859) 263 - 6212
Bank of the Bluegrass & Trust Co. 101 E High St 40507 +1 (859) 233 - 4500
Cash Advance Centers of KY 1328 Versailles Rd 40504 +1 (859) 243 - 0603
Cash Express 1145 E New Circle Rd 40505 +1 (859) 246 - 3094
Cash Express 1989 Harrodsburg Rd 40503 +1 (859) 277 - 0548
Cash Express 671 N Broadway 40508 +1 (859) 225 - 2970
Cash Tyme 2333 Versailles Rd, B 40504 +1 (859) 255 - 0080
Cash Tyme 470 E New Cir Rd 40505 +1 (859) 254 - 8004
Cash Tyme 2333 Versailles Rd UNIT B 40504 +1 (859) 255 - 0080
Central Kentucky Ag Credit 640 S Broadway 40588 +1 (859) 252 - 4717
Check `n Go 3063 Richmond Rd STE C 40509 +1 (859) 269 - 2008
Check `n Go 393 Waller Ave 40504 +1 (859) 225 - 9393
Check Advance 3154 Richmond Road, Suite 9-B 40509 +1 (859) 268 - 8451
Check Advance 828 Lane Allen Rd Suite 160 40504 +1 (859) 278 - 3000
Check Exchange 2901 Richmond Rd UNIT 120 40509 +1 (859) 268 - 2121
Check For Cash Inc 4097 Nichols Park Dr 116 40503 +1 (859) 273 - 5599
Check Into Cash 1801 Alexandria Dr #188 40504 +1 (859) 277 - 9828
Check Into Cash 524 W New Circle Rd, Ste 170 40511 +1 (859) 455 - 8331
Check Into Cash 1555 E New Circle Rd #166 40509 +1 (859) 266 - 4048
Check Into Cash 1801 Alexandria Dr Ste 188 40504 +1 (859) 277 - 9828
ColorTyme Sales and Lease of Lexington, KY 1301 Winchester Rd #201 40505 +1 (859) 225 - 9999
Community Trust Bank 1430, 100 E Vine St 100 40507 +1 (859) 389 - 5350
Cumberland Financial Inc 153 Patchen Dr 53 40517 +1 (859) 268 - 3028
Eagle Finance 130 W Tiverton Way 100 40503 +1 (859) 305 - 1020
Lendmark Financial Services LLC 152 W Tiverton Way Suite 110 40503 +1 (859) 335 - 0187
LendNation 3101 Richmond Rd Ste 314 40509 +1 (859) 268 - 0826
Mariner Finance 1260 Winchester Rd 40505 +1 (859) 266 - 8585
Mister Money 1300 Winchester Rd # 150 40505 +1 (859) 233 - 4000
Nicholas Financial Inc 4384 Clearwater Way 190 40515 +1 (859) 887 - 0308
Payday Loans Lexington KY-1927 40509
Professional Financial Services 2331 Fortune Dr 195 40509 +1 (859) 971 - 2900
Quik Cash 462 E New Cir Rd 40505 +1 (859) 252 - 3811
Quik Cash 3101 Richmond Rd #314 40509 +1 (859) 268 - 0826
Republic Finance 3094 Richmond Rd Suite E-170 40509 +1 (859) 269 - 0366
SunLendingUSA 1030 Monarch St STE 330 40513 +1 (859) 233 - 0143
University of Kentucky Federal Credit Union- Export Street Branch 1080 Export St 40504 +1 (859) 264 - 4200
World Finance 2909 Richmond Rd Ste 110 40509 +1 (859) 246 - 3095

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lexington, KY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Florence, KY, Payday Loan Without a Credit Check in Georgetown, KY, Payday Loans in Hopkinsville, KY, Quick Loan in Louisville, KY, Payday Loans in Owensboro, KY and 24-Hour Loan 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 Lexington, KY.

Beautiful sights of Lexington, KY

Payday Loans Available in Lexington, KY By The Following ZIP Codes:

40502, 40503, 40504, 40505, 40506, 40507, 40508, 40509, 40510, 40511, 40512, 40513, 40514, 40515, 40516, 40517, 40522, 40523, 40524, 40526, 40533, 40536, 40544, 40546, 40550, 40555, 40574, 40575, 40576, 40577, 40578, 40579, 40580, 40581, 40582, 40583, 40588, 40591, 40598

Are Payday Loans Legal In Lexington, 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

Lexington, KY payday loan calculator

The payday loan industry has been in legal limbo for years. The Consumer Financial Protection Bureau (CFPB) claims that the payday loan industry is predatory and puts consumers at risk of defaulting on their loans if they cannot repay them within 60 days. Yet, despite this federal agency being set up specifically to protect Americans from these practices, there are no plans for payday loans in Lexington or anywhere else.

With the proliferation of the Internet, it is not surprising that payday loans have dropped in popularity. The Internet has been very useful in helping people find the right payday loan company and get a loan. Since so many companies online want your business, they all offer up to $1000 payday loans with no credit check or qualifying. You fill out and submit an application; if your payday loan application is accepted, you will get funds transferred directly into your bank account by the next business day.

The payday loan industry has been in legal limbo for years. The Consumer Financial Protection Bureau (CFPB) claims that the payday loan industry is predatory and puts consumers at risk of defaulting on their loans if they cannot repay them within 60 days.

However, despite this federal agency being set up specifically to protect Americans from these practices, there are no plans for payday loans in Lexington.

The government claims that budget cuts mean that the CFPB does not have enough money to pursue payday loan companies.

How to Find a Good Direct Lender in Lexington, Kentucky Online

The traditional method of finding a direct payday lender in Lexington would be visiting the local bank, community credit union, or credit union. Banking institutions have access to borrowers and can offer a payday advance loan at little to no interest. The problem with this is that they are not as convenient as an online lender and not optimized for today’s environment of modern consumers. In addition, banks are subject to the same regulations as other lenders, so they charge you a fee for every transaction you have with them.

Banks don’t have the same flexibility your online lender offers, with terms that range from 12- 60 months. You may not have the same convenience with these types of lenders as with a traditional bank. Still, it’s important to develop a focus on direct lenders that provide the lowest dollar amounts to qualified borrowers. The list of requirements for obtaining a loan in the city according to the following list:

  1. You need to be 18 years old or older, reside in Kentucky, and have a personal checking account with access to direct deposit.
  2. You must also prove regular income at least every two weeks with paycheck stubs, bank statements, or other verification of income for the past year.
  3. Your credit score cannot exceed 640, and you cannot have any bankruptcies, judgments, or tax liens on your record from the past 24 months.

Locating Lexington Payday Loan Online

Make sure to do a background check on your lender by checking if they are a member of the Lexington Better Business Bureau and the US Federal Government’s Consumer Affairs program. For example, this is how you can find out if the company is running any advertisements that might be misleading or deceptive.

You should also review what individual state laws say regarding payday lending and their restrictions. In some states, some regulations limit the amount of time you can take out a loan, so you should look into a Kentucky short-term loan where you may be able to obtain funds for up to 1 year.

It would help if you also looked into other Lexington financial companies to learn about their lending practices. One of the best decisions you can make is to build a relationship with an online lender with an established reputation for fair and transparent business practices.

Cash Advance Online in Lexington, Kentucky

The most important thing that you should remember about your loan is that you should expect to pay a fee for your short-term payday loan. Payday lenders will charge you a fee for the service, and you are likely to be accused by zip code or area, so make sure to check on this before giving out any personal information. Payday loans are very quick and easy, but they do require responsibility from both the borrower and lender, so you must take time to understand exactly what you’re getting into.

For more information, check our list of Lexington lenders with branches in Kentucky.

Can I Get a Payday Loan for Bad Credit in Lexington, Kentucky?

Some individuals in Lexington have turned to payday loans when they need money. In some cases, these people have poor credit histories, and traditional lenders like banks do not want to lend them any more money. There are still lenders out there that will loan depositors cash with bad credit, but these are often specialty companies that focus on servicing those who don’t qualify for a good loan. In Lexington and Kentuckiana, there are plenty of resources available for borrowers who want to get a payday loan with bad credit.

24 Hour Payday Loans in Lexington, Kentucky

When you apply for payday loans online, you won’t have to worry if you’ll get approved. Some leading lenders offer money in 24 hours and even 24 hours for eligible people for bigger loans. This means that you won’t have to wait a long period before receiving the cash. You can apply at any time, and when it comes down to it, your application will be processed immediately.

The number one thing you need to keep in mind about applying for a payday loan online is to make sure that you’re using a reputable lender. You have to do this because not all payday loan lenders are reliable and will not offer you the best possible services. Some of them may be cheaper, but that’s the only thing you should consider when applying for a payday loan online.

If you have a good credit history, then there’s no reason you shouldn’t get a payday loan online at an affordable interest rate. You can apply at any time as long as it’s in your own time and make sure that you understand exactly what your future options are.

Can you get a payday loan in Lexington, Kentucky without a bank account?

To get a payday loan in Lexington, Kentucky, you typically need some bank account or other access to deposit your paycheck. Most online lenders will require a bank account for your direct deposit, and you need to have an active checking or savings account. This is because the money for your loan has to be taken from your bank account for over a month. If you don’t have much money in the bank, there’s no sense in considering getting this type of loan.

Some lenders will require that applicants be fully employed, but others will allow applicants with poor credit histories. It all depends on the lender and what they accept as viable income sources. When it comes to getting a loan in Lexington, you can apply at any time, and you will be able to get the dollars that you need.

FAQ

How can I get a Quick Loan in Lexington, Kentucky?

You might be surprised to learn that there are alternative lenders to get a quick loan with no fax or bank account required, and they are easier than payday loans. For example, this is what you can do if you’re struggling with paying your bills throughout the month. You can look into low-cost emergency cash loans in Lexington, but these lenders typically charge a fee for their services. If you want to take action when it comes to getting a bill that’s due today by obtaining the money in time for the payment deadline, then you’ll have to consider getting a speedy cash loan online.

Can I Borrow $1000 with a 24-Hour Loan in Lexington, Kentucky?

When you’re looking to borrow money in Lexington, you might find that there are no lenders that allow you to get $1000 loans with a 24-hour turnaround time. However, it doesn’t mean that it’s impossible for people with low credit scores and bad credit histories. It is still possible for anyone to get $1000 loans, but the rates on these types of loans tend to be higher than other types of loans because they are considered riskier. You should also check what fees are associated with these types of loans before applying for them because some companies will charge an origination fee or late fees even if you make your payments on time.

How do I get an Emergency Loan in Lexington, Kentucky?

If you’re looking to get an emergency loan in Lexington, Kentucky, you might consider your options. You will have to find a lender that provides loans in your area and be able to obtain one with minimal effort. Working with a lender online, the application is usually simple and can be completed in minutes. These lenders are great for borrowers who want to get a quick cash loan with no hassle or delay.