Payday Loans in Spottsville, Kentucky

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

Company nameAddressZip codePhone number
Woodforest National Bank 120 Jill St, Berea, KY 40403 +1 (859) 986 - 2328
Check Into Cash 1555 E New Circle Rd #166, Lexington, KY 40509 +1 (859) 266 - 4048
Eagle Finance 1002 S Broadway St Suite 3, Georgetown, KY 40324 +1 (502) 316 - 6001
Express Check Advance 2480 U.S. Hwy. 41 North, Suite N, Henderson, KY 42420 +1 (270) 826 - 7170
Check Advance 1455 East Highway 90 Bypass, Suite 104, Monticello, KY 42633 +1 (606) 348 - 1474
Express Check Advance 1222 Skyline Dr Ste D, Hopkinsville, KY 42240 +1 (270) 707 - 1921
World Finance Corporation 1824 N Main St, Beaver Dam, KY 42320 +1 (270) 274 - 4999
Cash Master Inc 928 Broadway St, Paintsville, KY 41240 +1 (606) 789 - 3111
Ashland Credit Union 1300 Central Ave, Ashland, KY 41101 +1 (800) 245 - 8112
Lendmark Financial Services LLC 760 North Highway 27, Whitley City, KY 42653 +1 (606) 376 - 3644

Payday Loan Companies in Nearby Cities

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

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

42458

Are Payday Loans Legal In Spottsville, 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

Spottsville, KY payday loan calculator

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

If you live in Spottsville, Kentucky, and find yourself needing quick cash to cover unexpected expenses, a payday loan may be the answer. Payday loans are short-term loans that are typically due on your next payday. They can be a helpful option for those who need access to cash quickly, but it’s important to understand the risks and benefits of payday loans before taking one out.

How Payday Loans Work in Spottsville, Kentucky

In Spottsville, Kentucky, payday loans are legal for check cashers to offer. This means that if you need a payday loan, you’ll need to find a check casher in your area. To qualify for a payday loan, you’ll need to provide the check casher with proof of income and a valid form of identification. You’ll also need to write a post-dated check for the loan amount plus fees.

The loan term for a payday loan in Spottsville is typically 14 days, and the maximum amount you can borrow is $500. The interest rate for payday loans in Kentucky is capped at 15%, which means you’ll pay $15 in interest on every $100 you borrow. This may not seem like a lot, but it can add up quickly, especially if you’re unable to repay the loan on time.

The Risks and Benefits of Payday Loans

Before taking out a payday loan, it’s important to understand the risks and benefits. The main benefit of a payday loan is that it can provide you with access to cash quickly when you need it. This can be helpful if you’re facing unexpected expenses, such as a car repair or medical bill.

However, payday loans also come with risks. The most significant risk is that payday loans can be very expensive. Because the loan term is so short, the interest rates can be very high, which can make it difficult to repay the loan on time. If you’re unable to repay the loan on time, you may be charged additional fees, which can make the loan even more expensive.

Interesting Facts and Statistics about Payday Loans in Spottsville, Kentucky

  • There are currently no payday lenders operating in Spottsville itself.
  • According to the Kentucky Department of Financial Institutions, the average payday loan in Kentucky is $341.
  • In 2019, the Kentucky legislature passed a bill that would cap the interest rate for payday loans at 36%, but the bill failed to pass in the Senate.

Apply Now

If you’re considering a payday loan in Spottsville, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application form and we’ll work to find a lender that meets your needs. It’s important to remember that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Instead, we are a connection service that can help you find a lender that may be able to offer you a loan.

Remember, payday loans can be a helpful option in some circumstances, but they can also be very expensive. Before taking out a payday loan, make sure you understand the risks and benefits, and consider alternatives such as borrowing from friends or family, seeking assistance from your local community resources, or simply delaying your expenses where possible.

F.A.Q.

Can I apply for a payday loan if I am on active military duty in Spottsville, Kentucky?

Yes, individuals on active military duty are eligible to apply for payday loans in Spottsville, Kentucky. However, there are special protections in place for military members, so be sure to inform the lender if you are on active duty.

Are there any restrictions on the interest rate for payday loans in Spottsville, Kentucky?

Yes, the maximum interest rate for payday loans in Spottsville, Kentucky is 390% APR.