Payday Loans in Nortonville, Kentucky

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

Company nameAddressZip codePhone number
World Finance 335 E Center St, Madisonville, KY 42431 +1 (270) 821 - 7766
Louisa Gun & Pawn 2002 KY-2565, Louisa, KY 41230 +1 (606) 638 - 1212
Walmart Money Center 201 Waldon Dr, Harlan, KY 40831 +1 (606) 573 - 2206
Traditional Bank 7880 Main St, Jeffersonville, KY 40337 +1 (859) 498 - 3074
Peoples Cash Advance 160 River Pl Ave Ste A, Bowling Green, KY 42101 +1 (270) 783 - 4447
Check Into Cash 2901 Jackson St, Paducah, KY 42003 +1 (270) 415 - 9193
First Southern National Bank 102 W Main St, Stanford, KY 40484 +1 (606) 365 - 2137
First Financial Credit 10 KY-92, Williamsburg, KY 40769 +1 (606) 549 - 5504
American Mortgage - Ft. Thomas KY 111 N Ft Thomas Ave, Fort Thomas, KY 41075 +1 (859) 441 - 8900
Cumberland Fast Cash 1263 Old US Highway 25E, Barbourville, KY 40906 +1 (606) 545 - 9837

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Nortonville, 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 Loans in Louisville, KY, No Credit Check Loans in Owensboro, KY and Short-term 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 Nortonville, KY.

Beautiful sights of Nortonville, KY

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

42442

Are Payday Loans Legal In Nortonville, 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

Nortonville, KY payday loan calculator

Payday Loans in Nortonville, Kentucky: What You Need to Know

Introduction

Payday loans are a popular form of short-term lending in Nortonville, Kentucky. If you find yourself in a bind and need quick cash, a payday loan might be a solution you consider. But before you take a payday loan, it’s essential to understand what it entails, and what risks you may be taking.

What Exactly is a Payday Loan?

Around the world, payday loans are short-term unsecured loans often used to handle urgent financial needs. In Kentucky, a payday loan is defined as a loan “with a term of up to 60 days”. While other loans have longer repayment periods, payday loans usually require repayment on or before the borrower’s next payday.

Regulations for Payday Loans in Kentucky

As we mentioned before, payday loans are legal in the state of Kentucky. However, the state does have laws in place to regulate lenders. Payday lenders must be licensed by the Kentucky Department of Financial Institutions and substantial regulations mandate a maximum loan amount of $500 and a maximum finance charge of $15 for every $100 borrowed.

The Pros and Cons of Payday Loans in Nortonville

Now that you know the basics of payday loans, you may want to weigh the pros and cons before deciding to take one out. Here are some of the potential benefits and drawbacks associated with this financial tool.

Benefits:

  • Quick and easy access to funds
  • No credit check is required
  • No collateral required – all you need is proof of income and ID
  • Potentially useful for people with poor or limited credit history

Drawbacks:

  • High-interest rates can make it challenging to pay the loan back
  • Short repayment periods can cause financial strain
  • The possibility of falling into a cycle of debt
  • Not a long-term solution to financial problems

Apply Now to Connect to Lenders in Nortonville

TheGuaranteedLoans is a connector service for those looking to get in touch with lenders. We aim to make the process of getting a payday loan in Nortonville as smooth and easy as possible. Fill in our online application form, and we will facilitate your connection with potential lenders who match your needs.

Remember, we are not a direct lender, so make sure you read through the terms and conditions of any loan offer carefully and make sure you can afford to repay it before accepting.

Interesting Facts about Payday Loans in Nortonville, Kentucky

Did you know that Kentucky was one of the earliest states to enact legislation around payday loans? In 1998, regulations were put in place to cap the interest rates that could be charged on payday loans at 15%.

In 2010, the Kentucky legislature changed the law slightly to allow check-cashing businesses to offer payday loans.

According to research from The Pew Charitable Trusts, over 12 million Americans take out payday loans each year. However, the average loan size is just $375, and borrowers typically spend $520 in fees to borrow that amount.

Conclusion

Payday loans are a common and relatively easy way to get quick cash. However, you must understand the costs and risks involved before signing up. If you decide to take out a payday loan, make sure you borrow only what you can afford to repay, understand the terms and fees associated with the loan, and search for a reputable lender in Nortonville, Kentucky.

Apply now with TheGuaranteedLoans and connect with lenders in Nortonville for your payday loan needs.

F.A.Q.

Can I cancel or void my payday loan in Nortonville, Kentucky?

Yes, you have the right to cancel or void your payday loan within 14 days of signing the loan agreement in Nortonville, Kentucky.

Can I be charged a penalty for prepaying my payday loan in Nortonville, Kentucky?

No, you cannot be charged a penalty for prepaying your payday loan in Nortonville, Kentucky.