Payday Loans in North Middletown, Kentucky

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

Company nameAddressZip codePhone number
Town Square Bank 621 12th St, Ashland, KY 41101 +1 (606) 929 - 9700
Fast Payday Loans 10303 Dixie Hwy, Louisville, KY 40272 +1 (502) 933 - 4147
Fifth Third Bank & ATM 628 S College St, Harrodsburg, KY 40330 +1 (859) 734 - 7796
Limestone Bank 5440 Castle Hwy, Pleasureville, KY 40057 +1 (502) 878 - 4214
Eagle Finance 274 Cassidy Blvd, Pikeville, KY 41501 +1 (606) 727 - 5000
Hii Commercial Mortgage Loans Owingsville KY 335 Harrisburg Ave D, Owingsville, KY 40360 +1 (502) 694 - 3220
World Finance Corporation 120 Keen St, Burkesville, KY 42717 +1 (270) 864 - 3741
BB&T 501 Monmouth St, Newport, KY 41071 +1 (859) 655 - 3100
First Financial Credit Inc 640 University Shopping, Center Dr, Richmond, KY 40475 +1 (859) 624 - 2149
Cash Express 15 2nd Street, Vanceburg, KY 41179 +1 (606) 796 - 0142

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North Middletown, KY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Florence, KY, Payday Loan for Georgetown, KY, Payday Loans in Hopkinsville, KY, Guaranteed Loans in Louisville, KY, 24-Hour Loan 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 North Middletown, KY.

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

40357

Are Payday Loans Legal In North Middletown, 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

North Middletown, KY payday loan calculator

Payday Loans in North Middletown, Kentucky

If you’re looking for fast cash to cover unexpected expenses or emergencies, a payday loan might be a good option. In North Middletown, Kentucky, payday loans are legal, but only if offered by check cashers. These loans can be a lifesaver for people who need money quickly, but they should be used with caution and only as a last resort.

How Payday Loans Work

A payday loan is a short-term loan that is typically due on your next payday. In North Middletown, Kentucky, payday loans can be for up to $500, and the loan term cannot exceed 14 days. To get a payday loan, you typically need to provide proof of income and identification. Some payday lenders may also require a post-dated check or access to your bank account.

The interest rates on payday loans can be very high, often exceeding 400% APR. This means that if you borrow $100, you could owe $130 or more in just two weeks. If you can’t pay the loan back in full on your next payday, you’ll typically have to renew the loan or pay additional fees and interest.

The Risks of Payday Loans

While payday loans can be a quick fix for financial problems, they come with a lot of risks. The high interest rates and short-term repayment period mean that a small loan can quickly turn into a much larger debt. Many people get stuck in a cycle of renewing their payday loans and paying high fees and interest each time.

In addition to the financial risks, payday loans can also be detrimental to your credit score. Many payday lenders don’t report to credit bureaus, so if you default on the loan, it won’t show up on your credit report. However, if you’re unable to pay the loan back and it goes to collections, it will negatively impact your credit score.

Alternatives to Payday Loans

If you’re struggling financially and need money quickly, there are some alternatives to payday loans that you should consider. These include:

  • Personal loans – Banks and credit unions offer personal loans that can be used for a variety of purposes.
  • Credit cards – If you have a credit card, it might be a better option than a payday loan.
  • Negotiating with creditors – You may be able to negotiate a payment plan or deferment with your creditors if you’re struggling to make payments.
  • Borrowing from friends and family – If you have friends or family who are willing to lend you money, this can be a better option than a payday loan.

Interesting Facts or Statistics about Payday Loans in North Middletown, Kentucky

  • The average payday loan in Kentucky is for $363, and the average borrower takes out 10 loans per year.
  • According to a Center for Responsible Lending report, payday lenders cost Kentucky families over $80 million in fees each year.
  • In 2019, there were over 4,000 payday loan storefronts in the United States.

Apply Now

If you’ve weighed all of your options and have decided that a payday loan is the right choice for you, TheGuaranteedLoans can help. We’re a connector service that works with a network of lenders who are willing to offer payday loans to qualified borrowers. Simply fill out our online application and we’ll match you with potential lenders who can provide the funds you need. Remember, payday loans should only be used as a last resort and should be paid back on time to avoid fees and additional interest.

Conclusion

Payday loans can be a helpful tool in the right circumstances, but they should be used with caution. High interest rates and short repayment periods can turn a small loan into a huge debt, so it’s important to weigh all of your options before deciding to take out a payday loan. If you do decide to pursue a payday loan, make sure to read the terms carefully and pay it back on time to avoid additional fees and interest.

F.A.Q.

Can I apply for a payday loan online in North Middletown, Kentucky?

Yes, you can apply for a payday loan online in North Middletown, 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 North Middletown, Kentucky?

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