Payday Loans in Scuddy, Kentucky

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

Company nameAddressZip codePhone number
Credit Fair-E 2303 Hurstbourne Village Dr Suite 300, Louisville, KY 40299 +1 (812) 329 - 5045
Cash Express 330 Main St, Cadiz, KY 42211 +1 (270) 522 - 4050
First Southern National Bank 100 N Main St, Monticello, KY 42633 +1 (606) 348 - 8421
City Check Advance 1811 W Broadway, Louisville, KY 40203 +1 (502) 778 - 1803
CheckSmart 8459 US-42, Florence, KY 41042 +1 (859) 647 - 7500
Check Advance - Closed 1203 Skyline Dr, Hopkinsville, KY 42240 +1 (270) 885 - 4585
Advance America 1531 Paris Pike, Georgetown, KY 40324 +1 (502) 867 - 0380
Mariner Finance 118 S Main St 4, Dry Ridge, KY 41035 +1 (859) 824 - 4455
Advance America 931 N Main St, Nicholasville, KY 40356 +1 (859) 881 - 8032
Quik Cash 1515 Ring Rd, Elizabethtown, KY 42701 +1 (270) 234 - 1407

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scuddy, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Florence, KY, Payday Loan for Georgetown, KY, 24-Hour Loan in Hopkinsville, KY, Same Day Loans in Louisville, KY, Payday Loans in Owensboro, KY and Short-term 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 Scuddy, KY.

Are Payday Loans Legal In Scuddy, 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

Scuddy, KY payday loan calculator

Payday Loans in Scuddy, Kentucky

Are you in need of quick cash in Scuddy, Kentucky? Perhaps you have an unexpected expense to cover, or you’re just short on funds until your next paycheck arrives? Whatever the reason, a payday loan could be the solution you’ve been looking for. In Kentucky, payday loans are legal for check cashers only, making it a viable option for those residing in Scuddy.

What is a Payday Loan?

A payday loan is a short-term loan that is designed to be repaid by your next paycheck. It typically ranges from $50 to $500, and the loan term is usually around two weeks. These loans are available for those who may not have the best credit score or history, making them a viable option for those in need.

To receive a payday loan in Scuddy, Kentucky, you must provide proof of income and identification. You do not need to have a bank account or collateral, and there are no restrictions on how you can use the funds once they are disbursed to you.

The Pros and Cons of Payday Loans

While payday loans can seem like a quick and easy solution to cash flow problems, they do come with some risks. Here are some of the pros and cons to consider before applying for a payday loan:

Pros

  • Quick and easy application process.
  • Accessible to those with poor credit history.
  • No need for collateral or a bank account.
  • Funds can be used for any purpose.

Cons

  • High-interest rates and fees.
  • Renewal or rollover fees if you cannot repay the loan on time.
  • Can lead to a cycle of debt if not managed properly.
  • May negatively impact your credit score if not paid on time.

Payday Loans in Scuddy, Kentucky

As mentioned, payday loans are legal for check cashers only in Kentucky. This means that if you are looking for a payday loan in Scuddy, you must find a reputable check casher or financial institution that offers payday loans. It is essential to ensure that the lender you choose is legitimate and follows the regulations set forth by the state of Kentucky.

Interesting Facts and Statistics about Payday Loans in Scuddy, Kentucky

  • According to the Kentucky Coalition for Responsible Lending, the average annual percentage rate (APR) on a payday loan in Kentucky is 391%.
  • As of 2020, there were 409 payday loan storefronts licensed in Kentucky.
  • Kentucky has laws in place to protect consumers from predatory lending practices, including limiting the amount of the loan to $500 and prohibiting lenders from rolling over or refinancing loans more than twice.

Apply Now

If you think a payday loan could be the right solution for you, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of reliable and reputable lenders who can provide the funds you need. Visit our website and fill out our secure online application form to get started.

Remember, a payday loan comes with risks, and it is essential to ensure you can repay the loan on time to avoid additional fees and charges. Consider your options carefully before applying and always read the terms and conditions of any loan agreement before signing.

F.A.Q.

Are there any alternatives to payday loans in Scuddy, Kentucky?

Yes, there are several alternatives to payday loans in Scuddy, Kentucky, such as small personal loans, credit union loans, or borrowing from friends or family.

What should I do if I am unable to repay my payday loan in Scuddy, Kentucky?

If you are unable to repay your payday loan in Scuddy, Kentucky, you should contact your lender immediately and discuss your options, such as negotiating a payment plan or seeking financial counseling.