Payday Loans in Rogers, Kentucky

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

Company nameAddressZip codePhone number
World Finance 324 S Main St, Leitchfield, KY 42754 +1 (270) 259 - 3121
Check Into Cash 4046 Fort Campbell Blvd, Hopkinsville, KY 42240 +1 (877) 244 - 8254
Citizens Union Bank - Owenton Location 127 Thomas St, Owenton, KY 40359 +1 (866) 633 - 4450
Cash Express 6610 KY-146 b, Crestwood, KY 40014 +1 (502) 241 - 2259
Advance America - Closed 1705 N Dixie Hwy, Elizabethtown, KY 42701 +1 (270) 765 - 5312
River City Finance Company, Inc 2500 Frederica St, Owensboro, KY 42301 +1 (270) 686 - 3002
Mariner Finance 1850 S Hurstbourne Pkwy Ste. 135, Louisville, KY 40220 +1 (502) 365 - 1716
World Finance 616 Campbellsville St, Liberty, KY 42539 +1 (606) 787 - 6227
Cash Express 1104 S Main St, London, KY 40741 +1 (606) 877 - 1952
Swan Financial 320 Whittington Pkwy 106, Louisville, KY 40222 +1 (502) 753 - 1340

Payday Loan Companies in Nearby Cities

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

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

41360, 41365

Are Payday Loans Legal In Rogers, 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

Rogers, KY payday loan calculator

What You Need to Know About Payday Loans in Rogers, Kentucky

If you’re a resident of Rogers, Kentucky, and you’re in need of emergency cash, you might be considering applying for a payday loan. Payday loans are short-term loans typically meant to bridge the gap between paychecks and cover unexpected expenses, such as car repairs or medical bills. In Kentucky, payday loans are legal for check cashers, but it’s essential to understand the risks and benefits before taking one out.

How Payday Loans Work

Payday loans are typically small-dollar loans with high-interest rates and short repayment terms, usually due on the borrower’s next payday. To apply, borrowers provide a post-dated check or access to their checking account as collateral for the loan. If the loan isn’t repaid on time, the lender can deposit the check or withdraw the funds from the borrower’s account.

The loan amount and fees can vary depending on the lender and state regulations, but in Kentucky, the maximum loan amount is $500, and lenders are allowed to charge up to $15 per $100 borrowed.

Risks and Benefits

Payday loans can provide quick access to cash and be helpful in emergencies, but they also come with significant risks that borrowers should consider carefully.

One risk is the high-interest rates, which can make it challenging to repay the loan on time, leading to a cycle of debt. According to the Consumer Financial Protection Bureau (CFPB), most payday loans are not repaid in full when due and are rolled over into a new loan, creating additional fees and increasing the overall cost of the loan.

Another risk is the potential for predatory lending practices, such as hidden fees, aggressive collection tactics, and misleading disclosures. It’s crucial to research lenders carefully, read the loan agreement thoroughly, and understand all the terms and fees before signing.

The main benefit of payday loans is the quick access to cash they provide, especially for borrowers who don’t have access to traditional credit options or who need the funds immediately. However, other options, such as personal loans, credit cards, or borrowing from family or friends, might be less expensive and have more favorable terms.

Interesting Facts about Payday Loans in Rogers, Kentucky

  • According to the Kentucky Department of Financial Institutions, the number of payday lenders in Kentucky has decreased in recent years, from 707 in 2009 to 555 in 2021.
  • In 2020, there were 347,741 payday loans issued in Kentucky, with a total loan volume of over $128 million, according to the Kentucky Department of Financial Institutions.
  • Payday loans are available online in Kentucky, but they are subject to the same regulations as in-person loans.

Apply Now

If you’ve weighed the risks and benefits and have decided to apply for a payday loan, TheGuaranteedLoans can help connect you with potential lenders in Rogers, Kentucky. Our online application process is straightforward and secure, and we will work to match you with a lender that meets your needs. Keep in mind that TheGuaranteedLoans is not a direct lender and does not make credit decisions or provide loans. Instead, we act as a connector service, facilitating your connection with potential lenders.

Fill out our online application today, and find out if you qualify for a payday loan in Rogers, Kentucky. Remember to borrow only what you need and to read the loan agreement carefully before signing.

F.A.Q.

How do I repay a payday loan in Rogers, Kentucky?

Payday loans in Rogers, Kentucky are typically repaid in full on the borrower's next payday, either by providing a post-dated check or authorizing electronic access to the borrower's checking account.

Can I apply for a payday loan if I am self-employed in Rogers, Kentucky?

Yes, individuals who are self-employed are eligible to apply for payday loans in Rogers, Kentucky. However, they may need to provide additional documentation to prove their income.