Payday Loans in Owensboro, Kentucky

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Payday Loan Companies in Owensboro, KY

Company nameAddressZip codePhone number
Advance America 3333 Frederica St #3 42301 +1 (270) 684 - 6408
Advance America 2845 W Parrish Ave Suite J Suite J 42301 +1 (270) 688 - 8448
Cash Express 2100 W Parrish Ave 42301 +1 (270) 240 - 4195
Cash Express 1007 Tamarack Rd #5 42301 +1 (270) 683 - 5586
Cash Express 1327 E 4th St 42303 +1 (270) 685 - 1322
Cash Tyme 527 Emory Dr Unit 107 42303 +1 (270) 926 - 3338
Check `n Go 1650 Starlite Dr h 42301 +1 (270) 683 - 7347
Check Into Cash 3525 Frederica St Ste 2 42301 +1 (270) 683 - 3250
Check n Go 3601 Frederica St Suite 8 42303 +1 (270) 685 - 8300
Don Moore Nissan 4216 Frederica St 42301 +1 (270) 926 - 2502
Eagle Finance 3525 Frederica St 42301 +1 (270) 993 - 8300
Express Check Advance 3116 KY-54 42303 +1 (270) 689 - 9663
Fast Payday Loans 2605 Cr-1092B5 42303 +1 (270) 685 - 6705
First American Cash Advance 2845 W Parrish Ave j 42301 +1 (270) 688 - 8448
Heights Finance Corporation 3333 Frederica St 42301 +1 (270) 684 - 2767
Hollywood Cash Advance 2616 Frederica St 42301 +1 (270) 926 - 4949
Lendmark Financial Services LLC 2928 Heartland Crossing, Boulevard B 42303 +1 (270) 926 - 6836
Lincoln Financial 401 Frederica St 42301 +1 (270) 684 - 0002
Lincoln Financial Advisors 2737 Kingman Loop N 42301 +1 (270) 685 - 0695
Mariner Finance 5140 Frederica St B 42301 +1 (270) 228 - 2631
Merchant Cash Advance Kentucky - Small Business Loans Owensboro KY - Commercial Loans, Unsecured Loans, Construction Financing, & Invoice Factoring Jewell Rd 42301 +1 (270) 767 - 6339
Owensboro Financial Services 303 E 14th St SUITE 6 42303 +1 (270) 683 - 6727
River City Finance Company, Inc 2500 Frederica St 42301 +1 (270) 686 - 3002
Westmain Loans & Pawn 2906 W 2nd St 42301 +1 (270) 683 - 0534
World Finance 1650 Starlite Dr Ste J 42301 +1 (270) 684 - 8282
Zippi Cash Advance 609 Park Plaza Dr 42301 +1 (270) 689 - 2411

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Owensboro, KY

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

42304, 42302, 42303, 42301

Are Payday Loans Legal In Owensboro, 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

Owensboro, KY payday loan calculator

Many people wonder about payday loans in Owensboro, Kentucky. Is there any downside to borrowing an extra few hundred dollars? In short, the answer is no. However, there are some things you should be aware of when you borrow money from a payday loan company that can help keep your loan repayment low and your wallet fuller longer.

The fast availability of a payday loan can also cause people to borrow more than they can pay back by taking out multiple loans or just putting the money on a credit card. This will cause problems in the long run, but if you start small and take care of yourself, it won’t be an issue.

To get the benefits of payday loans in Owensboro, Kentucky, you must first know what you expect. You need to understand that there are some interest rates to be paid. These rates are not high and won’t leave you in a bind. They are just slightly higher than some credit cards and lower than other short-term loan products like bank overdraft protection or a bounced check fee.

The interest rate on the loan will also not change during the loan term as long as you are making your payments. The lender has no reason to raise or lower it during the time because they already have your money and will get their money back before long, even if you default on payment.

Payday loans and credit cards can keep up with emergencies but are not for taking care of everyday expenses. If you use them for food and other daily living items, you will eventually find yourself behind on the payments or even in debt. To avoid this, you should only use the funds to buy essential things, like rent/mortgage or a car payment. You can use your payday loan to fix an unexpected errand or any other expense. You can’t afford a vacation, but you can afford to fix your car to not have to worry about it while on vacation.

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

The best way to find a fine direct lender is to have your credit checked. This will show you how the lenders currently rate you and give you a better idea of the future rate. The best way to do this is to ask friends and family or check your credit report online. You can start by doing a free local credit report check at one of the offer sites listed below. However, this site won’t give you all of the information found on your local credit file.

You are only allowed one payday loan in Owensboro, Kentucky, at a time before it is taken away by law enforcement. This helps stop people from taking out more loans to make up for the payments that were not made on their original loan and causing them to default.

To get a loan in Owensboro, Kentucky, you will need to meet the following requirements:

  • You must have a job. 
  • You must have a checking account. 
  • Must be 18 years of age or older. 
  • Must be a US citizen/legal resident in Kentucky for at least ten years.
  • Must not currently be delinquent on any loans with other lending institutions.

A payday loan is when the money is in advance and payable on your next payday. The fee for these advances is typical $15 per $100 borrowed but can range from $10-$30 depending on the company and its terms and conditions.

Cash Advance Online in Owensboro, Kentucky

To use a payday loan in Owensboro, Kentucky, you must first understand how it works. A payday loan is a money that you borrow and repay on your next payday. This is the definition of an unsecured loan; the lender does not assess your collateral. The interest is high because of this risk, with the chances that you will not be able to repay the loan if something happens to prevent you from getting paid.

If you get behind on your bill payments and don’t pay back what you owe, a warrant will be issued for your arrest by law enforcement officials in Owensboro, Kentucky. This warrant will not be dropped until the balance is paid in full.

This is why it is so important to make sure that you are able to afford what you are borrowing and that your payment schedule allows enough time for the loan payment to fall due. If you can’t stick to this plan, then don’t take out a loan because you won’t be able to follow through.

If you get behind on your loan payments, it isn’t creating any additional problems if you at least try to keep up with them. It will make things easier on yourself because they won’t want the extra work of having to chase after people or issue warrants since they would rather get paid immediately.

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

Due to the higher risk involved in this type of loan, it is harder to get approved for a payday loan in Owensboro, Kentucky, if you are considered at risk. However, there are still some places that you can try. If your credit report says you are not high risk, you could attempt to get approved through a direct lender.

These companies accept people with bad credit and will proceed with the loan without an extensive credit history check. They will be able to offer the same interest rates as other high-risk lenders. Still, They won’t have access to all of the information about your finances that they would need to assess your financial condition accurately.

If you have good credit, you can also check with a local bank and see if they offer payday loans in Owensboro, Kentucky. These tend to be more expensive than comparable unsecured loans, but the funds are available instantaneously.

If you aren’t approved for a loan, don’t give up! There are many other places that you can apply. It would help if you made sure that the terms would work well for your particular situation, and you must be able to afford what they want from you to get approved by them. An unsecured loan is made without assessing your collateral first. The lender uses your income as collateral instead of possession, which is called an unsecured loan.

24 Hour Payday Loans in Owensboro, Kentucky

If you need money fast, you can check out the lenders in your local area that offer 24-hour payday cash advance loans. Most of these lenders are open every day of the week and even on some holidays so that you can receive your funds when you need them. If you are having a difficult time making ends meet at the end of each month or need the help to get caught up on your bills, it is important to look into this form of financing to solve your financial problems.

If you have never had any dealings with a lender like this before, you must do some research regarding the terms and conditions and get an estimate of how much cash advance loans cost.

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

You can get a payday loan in Owensboro, Kentucky, without a checking account. However, if you have time before your next paycheck, it is better to open up a bank account for direct deposit. This will make it easier for the lender to monitor your earnings and when you are paid, as this will ensure that you can pay back the money that was advanced to you.

FAQ

Are Short-term Loans in Owensboro, Kentucky, Good?

You could get a loan to cover an emergency expense, whether medical bills, car repairs or rent. These things happen often enough that you may be wondering if there is a way to get some cash to tide you over quickly. Of course, this can be difficult if you don’t have any assets or collateral because most banks and credit unions won’t offer loans without these things.
The good news is that many lending companies will give you a loan in Owensboro, Kentucky, if you are facing a financial crisis but don’t have collateral or assets, as long as it isn’t too much money.

What is the Easiest Loan in Owensboro, Kentucky, to Get Approved For?

The easiest loan to get approved will depend completely on your financial situation. If you have a good job and are making enough money to support yourself, you probably won’t have any trouble getting approved for a loan.
It might be difficult to get approved for a loan if you are between jobs or have fallen on hard times because of some other major life event. The reason is that lenders want to know that you can pay them back, so if you are not making much money or cannot pay them back regularly, they may not want to give you a loan.

How Can I Get a Quick Loan in Owensboro, Kentucky?

If you need a quick loan in Owensboro, Kentucky, you can do so by going to the place where you will get the best deal. This could be an auto title loan where you use your car title as collateral in some cases. If something happens while you have this loan, it could be repossessed and sold at auction to pay off the debt.

Is it Easy to Get a Loan in Owensboro, Kentucky?

It depends on whether or not you are qualified for their requirements and if they accept online loans in Owensboro, Kentucky. If they do and you meet their needs, then it should be easy to get a fast cash loan from them.