Payday Loans in Perry Park, Kentucky

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

Company nameAddressZip codePhone number
U.S. Bank ATM - Cave City 104 Broadway St, Cave City, KY 42127 +1 (800) 872 - 2657
Nicholas Financial Inc 4384 Clearwater Way 190, Lexington, KY 40515 +1 (859) 887 - 0308
Lendmark Financial Services LLC 2400 William Thomason Byway b, Leitchfield, KY 42754 +1 (270) 259 - 9614
German American Bank 2 N Green St, Henderson, KY 42420 +1 (270) 854 - 1020
Advance America 620 Big Hill Ave #2, Richmond, KY 40475 +1 (859) 625 - 0555
First & Farmers National Bank 101 Plaza Dr, Albany, KY 42602 +1 (606) 387 - 9850
PBK Bank 9889 Main St, Hustonville, KY 40437 +1 (606) 346 - 4911
C-Plant Federal Credit Union 1247 Paris Rd, Mayfield, KY 42066 +1 (270) 650 - 3100
Omega Financial Services Inc 6439 Bardstown Rd, Louisville, KY 40291 +1 (502) 231 - 5464
HLT Check Exchange 441 S Mayo Trail, Paintsville, KY 41240 +1 (606) 789 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Perry Park, KY, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Florence, KY, Guaranteed Loans in Georgetown, KY, Payday Loan Without a Credit Check in Hopkinsville, KY, Payday Loans in Louisville, KY, Payday 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 Perry Park, KY.

Are Payday Loans Legal In Perry Park, 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

Perry Park, KY payday loan calculator

Understanding Payday Loans in Perry Park, Kentucky

Life can be an unpredictable journey. There may come a time when you find yourself in a financial emergency with bills piling up, unexpected expenses, or even a medical emergency. If you are searching for a quick and easy solution to get the cash you need, a payday loan might be an option to consider. In Perry Park, Kentucky, payday loans are legal and can be a viable solution, but it is important to understand what payday loans are, how they work, and what to consider before taking one out.

What Are Payday Loans?

Payday loans are small, short-term loans intended for people who need cash quickly before their next paycheck. These loans are usually less than $500 and typically due on the borrower’s next payday, usually two to four weeks after the loan is disbursed.

The application and approval process for payday loans is usually quick and easy, and it is possible to get the funds you need on the same day. However, the convenience of payday loans comes with a price, as these loans often have much higher interest rates than traditional loans. Borrowers should also be aware of the state and federal regulations governing payday loans.

Payday Loans in Perry Park, Kentucky

In Perry Park, payday loans are legal. However, the state of Kentucky has specific regulations governing payday lenders to protect borrowers from predatory lending practices.

  • To apply for a payday loan in Perry Park, you must be at least 18 years old and have a steady source of income.
  • Borrowers can take out up to $500 in a payday loan.
  • Payday loans in Kentucky have a maximum term of 60 days.
  • Lenders are not allowed to roll over or renew loans more than three times or charge additional fees for doing so.
  • Interest rates on payday loans in Perry Park cannot exceed 15% of the principal amount of the loan.
  • Lenders must provide borrowers with a written agreement that outlines the terms and conditions of the loan.

What to Consider Before Getting a Payday Loan

Before taking out a payday loan in Perry Park, Kentucky, it is important to consider the following:

  • Interest rates: Payday loans often have much higher interest rates than traditional loans, making them an expensive borrowing option. Be sure to shop around and compare rates from different lenders to find the best deal.
  • Fees: Payday loans may come with additional fees, such as application fees, late fees, or bounced check fees. Be sure to read the fine print and understand all fees associated with the loan before signing any agreement.
  • Repayment terms: Make sure to understand the repayment terms of the loan, including the due date, payment amount, and any potential penalties for late payments or non-payment.
  • Budget: Calculate and make sure that you can realistically pay back the loan given your current budget. Taking out a payday loan with no clear plans to pay it back can lead to a cycle of debt that can be difficult to escape.

Interesting Facts and Statistics About Payday Loans in Perry Park, Kentucky

  • According to the Kentucky Department of Financial Institutions, there were 377,190 payday loans made in Kentucky in 2019, totaling over $145 million.
  • The average payday loan in Kentucky is $340, with an average term of 21 days.
  • Payday loan borrowers in Kentucky often have low incomes and limited access to traditional credit.
  • Payday loans can trap borrowers in a cycle of debt, as many borrowers take out additional loans to make ends meet or to pay off previous loans.

Apply Now

If you are in need of a payday loan in Perry Park, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Our free, online application takes just a few minutes to complete, and we will provide you with multiple offers from lenders that fit your needs. Keep in mind that TheGuaranteedLoans is not a direct lender, but a connector service. We are committed to helping our customers find the best possible loan solution.

Apply now and take the first step towards getting the cash you need today!

F.A.Q.

Is there a cooling-off period between payday loan payments in Perry Park, Kentucky?

Yes, there is a mandatory cooling-off period of at least 7 days between payday loan payments in Perry Park, Kentucky.

Can I be charged additional fees for late or missed payments on my payday loan in Perry Park, Kentucky?

Yes, you may be charged additional fees for late or missed payments on your payday loan in Perry Park, Kentucky.