Payday Loans in Smith Mills, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 509 Humston Dr, Lawrenceburg, KY 40342 +1 (502) 839 - 6141
Louisville Federal CU 1420 Gardiner Ln 66, Louisville, KY 40231 +1 (502) 458 - 2681
World Finance Corporation 300 Sam Walton Dr # 1400, Somerset, KY 42501 +1 (606) 678 - 8131
Farmers State Bank 1019 KY-11, Beattyville, KY 41311 +1 (606) 464 - 2626
United Community Bank of W Ky 1406 N Main St, Sturgis, KY 42459 +1 (270) 333 - 3232
American Pawn 3898 S Danville Bypass, Danville, KY 40422 +1 (859) 239 - 9374
Regency Finance Company 2835 US-27 #186, Somerset, KY 42501 +1 (606) 677 - 0123
Bluegrass Check Advance 121 Copper Creek Dr, Powderly, KY 42367 +1 (270) 377 - 3646
Regions Bank 507 Main St, Benton, KY 42025 +1 (270) 906 - 0360
Fifth Third Bank & ATM 1005 US Highway 27 South, Cynthiana, KY 41031 +1 (859) 234 - 0145

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smith Mills, 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, Payday Loans in Hopkinsville, KY, Online Loans in Louisville, KY, Emergency Loan 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 Smith Mills, KY.

Are Payday Loans Legal In Smith Mills, 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

Smith Mills, KY payday loan calculator

Payday Loans in Smith Mills, Kentucky: What You Need to Know

Emergencies happen, and sometimes you need money fast to cover unexpected expenses. If you live in Smith Mills, Kentucky, you may be considering a payday loan to help you through a tough financial situation.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next paycheck. In Kentucky, payday loans are legal, but only for check cashers. These loans are designed to help you bridge the gap until your next payday.

The application process for payday loans is generally quick and easy, and you can often get approved on the same day. However, payday loans usually come with high interest rates and fees, so it’s important to make sure you can afford to repay the loan before you apply.

How Do Payday Loans Work in Kentucky?

In Kentucky, payday loans are regulated by the Kentucky Office of Financial Institutions. Payday lenders are limited to charging a maximum fee of $15 per $100 borrowed, and the loan term cannot exceed 14 days. This means that if you borrow $100, you will need to repay $115 within 14 days.

If you are unable to repay the loan on time, the lender can charge additional fees and interest, which can quickly add up and make it difficult to repay the loan. It’s important to read the loan agreement carefully before signing and to only borrow what you can afford to repay.

Benefits of Payday Loans

  • Quick and easy application process
  • Funds can be available on the same day
  • No credit check required

Drawbacks of Payday Loans

  • High-interest rates and fees
  • Short repayment terms
  • Can trap borrowers in a cycle of debt

Interesting Facts About Payday Loans in Smith Mills, Kentucky

  • The average payday loan amount in Kentucky is $375
  • There are over 700 payday loan stores in Kentucky
  • Payday loans are banned in some states, including New York and New Jersey

Apply Now

If you’re in need of a payday loan in Smith Mills, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and you can get the funds you need in as little as one business day. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to find the best loan option for your needs.

Apply now and get the money you need to cover unexpected expenses.

In conclusion

Payday loans can be a useful tool in a financial emergency, but it’s important to understand the risks involved. Before you apply, make sure you have a plan in place to repay the loan on time to avoid additional fees and interest charges. And remember, if you find yourself struggling with debt, there are resources available to help you get back on track.

F.A.Q.

How do I repay a payday loan in Smith Mills, Kentucky?

Payday loans in Smith Mills, 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 Smith Mills, Kentucky?

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