Payday Loans in Quincy, Kentucky

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

Company nameAddressZip codePhone number
Farm Credit Mid-America 147 School Rd, Dry Ridge, KY 41035 +1 (859) 824 - 4446
C Plant Federal Credit Union 339 E Kentucky Dr, La Center, KY 42056 +1 (270) 665 - 8014
First Financial Credit 310 Steve Dr 4, Russell Springs, KY 42642 +1 (270) 866 - 4255
Lendmark Financial Services LLC 9346 Cedar Center Way, Louisville, KY 40291 +1 (502) 253 - 9712
Advance America 399 Campbellsville Bypass, Campbellsville, KY 42718 +1 (270) 465 - 0300
Check Advance 1856 S. Main Street, Paris, KY 40361 +1 (859) 987 - 6680
World Finance 124 Carol Malone Blvd, Grayson, KY 41143 +1 (606) 474 - 9566
World Finance 310 US-62 W, Princeton, KY 42445 +1 (270) 365 - 7177
Mariner Finance 416 Hopkinsville Rd, Russellville, KY 42276 +1 (270) 725 - 9185
Bank of Hindman 1362 Hindman Bypass, Hindman, KY 41822 +1 (606) 785 - 3158

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Quincy, 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

Quincy, KY payday loan calculator

Everything You Need to Know About Payday Loans in Quincy, Kentucky

When it comes to dealing with unexpected expenses or making ends meet, sometimes you need a little extra help. That’s where payday loans can come in handy. In Quincy, Kentucky, payday loans are legal for check cashers, providing a viable option for those in need of short-term financial assistance.

Understanding the regulations and specifics about payday loans in Quincy, Kentucky is important to make informed decisions when considering this type of loan. In this article, we’ll cover everything from what payday loans are, to the application process, repayment options, industry regulations, and more.

What Are Payday Loans?

Payday loans are short-term loans that typically must be repaid on the borrower’s next payday. These loans often come with high interest rates and fees, making it important to carefully consider whether they are the right option for your financial situation.

The Application Process

The application process for payday loans in Quincy, Kentucky is relatively simple. Typically, you’ll need to provide identification, proof of income, and a checking account. The lender will verify this information and determine if you qualify for the loan.

It’s important to remember that payday loans often come with high fees and interest rates, so it’s crucial to fully understand the terms and conditions of the loan before signing any agreements.

Repayment Options

Payday loans in Quincy, Kentucky must be repaid on the borrower’s next payday, typically within two weeks. If the borrower is unable to repay the loan on time, they may be able to extend the loan term by paying additional fees.

It’s important to carefully budget and plan for the repayment of payday loans to avoid falling into a cycle of debt. Many lenders offer resources and guidance on responsible borrowing and repayment to help borrowers make informed decisions.

Industry Regulations

The payday loan industry is regulated in Quincy, Kentucky to help ensure transparency and protection for borrowers. The Kentucky Department of Financial Institutions regulates the industry, overseeing lenders and enforcing rules and regulations pertaining to payday loans.

It’s important to only work with licensed lenders to ensure the validity and legality of any payday loans you may consider. Doing research, reading reviews, and asking for referrals can help you find reputable lenders in Quincy, Kentucky.

Interesting Facts and Statistics About Payday Loans in Quincy, Kentucky

  • The average payday loan amount in Kentucky is $300.
  • According to a survey conducted by the Kentucky Coalition for Responsible Lending, 83% of payday loan borrowers in Kentucky had to take out additional loans to repay their original loans.
  • Kentucky is one of 26 states that allow payday lending.

Apply Now

If you’re in need of short-term financial assistance in Quincy, Kentucky, TheGuaranteedLoans is here to help. We are a connector service that matches borrowers with potential lenders. Our easy online application process lets you apply from the comfort of your own home, and we’ll work with you to find the best lending options for your needs.

Remember, payday loans should be used responsibly and as a last resort. It’s important to carefully consider all options and thoroughly research lenders before committing to any loan agreements. But if a payday loan is the right choice for you, TheGuaranteedLoans can help you get the funds you need quickly and easily.

In conclusion

Payday loans are a viable option for those in need of short-term financial assistance in Quincy, Kentucky. By understanding the specifics of the application process, repayment options, industry regulations, and more, borrowers can make informed decisions about whether payday loans are the right choice for their financial situation.

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Quincy, Kentucky?

Yes, you can be sued or have your wages garnished if you default on your payday loan in Quincy, Kentucky.

Are there any consumer protection laws for payday loans in Quincy, Kentucky?

Yes, Kentucky has consumer protection laws for payday loans that regulate the terms and conditions of these loans.