Payday Loans in Sadieville, Kentucky

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

Company nameAddressZip codePhone number
Heritage Bank 1057 Ridgeway Ave, Falmouth, KY 41040 +1 (859) 654 - 2073
Whitaker Bank 140 E Main St, Morehead, KY 40351 +1 (606) 784 - 8966
World Finance Corporation 148 Pleasant Retreat Dr, Lancaster, KY 40444 +1 (859) 792 - 4828
Community Trust Bank 1218 E Broadway St, Campbellsville, KY 42718 +1 (270) 789 - 5900
Cash Express 407 W Dixie Ave, Elizabethtown, KY 42701 +1 (270) 735 - 1470
Check Into Cash 1200-C Bypass Rd, Winchester, KY 40391 +1 (859) 744 - 2628
Peoples Cash Advance 801 Campbell Ln Ste C, Bowling Green, KY 42104 +1 (270) 842 - 7005
Quick Money & Pawn Shop 1413 Highland Ave, Carrollton, KY 41008 +1 (502) 732 - 0884
Cash Express 31 Hazard Rd, Whitesburg, KY 41858 +1 (606) 633 - 7734
Fast Payday Loans 3837 Clarks River Rd, Paducah, KY 42003 +1 (270) 442 - 1083

Payday Loan Companies in Nearby Cities

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

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

40370

Are Payday Loans Legal In Sadieville, 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

Sadieville, KY payday loan calculator

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

If you’re in a bind and need quick cash in Sadieville, Kentucky, you may be considering a payday loan. Payday loans are short-term loans that typically come with high interest rates and fees. While they can be a useful tool for those who need a small amount of cash quickly, it’s important to understand the risks before you apply.

Understanding Payday Loans in Sadieville, Kentucky

In Kentucky, payday loans are legal but only apply to check cashers. This means that storefront lenders are not allowed to offer payday loans, but check cashers are. According to Kentucky law, check cashers can’t loan more than $500 and can’t charge more than $15 per $100 borrowed. The loan term must be between 14 and 60 days. Borrowers can have up to two outstanding loans at any given time and can only be charged one NSF fee for a returned check.

The Risks of Payday Loans in Sadieville, Kentucky

While payday loans can be an option for those who need quick cash, they come with significant risks. The high interest rates and fees can add up quickly, making it difficult for borrowers to pay back the loan on time. If the loan isn’t paid back on time, borrowers can face additional fees and even higher interest rates. This can lead to a dangerous cycle of borrowing and debt that can be difficult to escape.

Borrowers should also be aware of the potential for predatory lending practices. Some lenders may try to take advantage of those in financial need by offering loans with high interest rates and hidden fees. It’s important to carefully read the terms of any loan agreement and to understand the total cost of borrowing before agreeing to a loan.

Applying for a Payday Loan

If you’re considering a payday loan, it’s important to understand the application process. In Sadieville, Kentucky, check cashers may offer payday loans in person or online. To apply, you’ll need to provide some basic personal information and proof of income. If approved, you’ll typically receive the loan amount within a few days.

It’s important to remember that payday loans should only be used as a last resort. If you’re in need of quick cash, consider other options such as a personal loan or a credit card. These options may have lower interest rates and fees, making them a less expensive choice in the long run.

Interesting Facts and Statistics

  • The average payday loan amount in Kentucky is $357.
  • Kentucky has the 11th highest poverty rate in the United States, with 16% of the population living below the poverty line.
  • In 2019, Kentuckians took out over 684,000 payday loans, totaling more than $272 million in loans.

Apply Now

If you’re in need of a payday loan in Sadieville, Kentucky, TheGuaranteedLoans can help. We are a connector service that can help connect you with potential lenders in your area. To get started, simply fill out our online application. Please note that we are not a direct lender and do not provide loans ourselves. Instead, we’ll work to facilitate your connection with lenders who may be able to offer you a loan. Apply now to get started!

Remember, payday loans can be a useful tool for those who need quick cash, but they come with significant risks. It’s important to carefully consider your options and to understand the total cost of borrowing before agreeing to a loan.

F.A.Q.

Can I be denied a payday loan in Sadieville, Kentucky based on my credit score?

No, payday lenders in Sadieville, Kentucky are not allowed to deny a loan based on your credit score. However, a low credit score may affect the terms and conditions of the loan.

How do I know if a payday lender is licensed to operate in Sadieville, Kentucky?

To check if a payday lender is licensed to operate in Sadieville, Kentucky, you can visit the Kentucky Office of Financial Institutions website and search for their name or license number.