Payday Loans in Thornton, Kentucky

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

Company nameAddressZip codePhone number
WesBanco Bank 315 N 3rd St, Bardstown, KY 40004 +1 (502) 331 - 0304
Cash Express 162 Mini Mall Dr, Berea, KY 40403 +1 (859) 985 - 1157
ABC Finance Co., Inc. 1175 N Main St Unit B, Madisonville, KY 42431 +1 (270) 825 - 1211
First National Bank of Grayson 400 Prestonsburg St, West Liberty, KY 41472 +1 (606) 474 - 2000
Personal Finance Company 102 Corporate Dr, Lebanon, KY 40033 +1 (270) 692 - 0126
First Financial Bank 536 W Main St, Elkton, KY 42220 +1 (270) 265 - 5628
MidWest America Federal Credit Union - Scottsville Office 361 Old Gallatin Rd, Scottsville, KY 42164 +1 (270) 237 - 4269
World Finance Corporation 108 South Plaza, London, KY 40741 +1 (606) 862 - 6660
Fifth Third Bank & ATM 10400 Shelbyville Rd, Louisville, KY 40223 +1 (502) 245 - 2177
Hollywood Cash Advance 2616 Frederica St, Owensboro, KY 42301 +1 (270) 926 - 4949

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Thornton, 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 Loans in Georgetown, KY, Short-term Loans in Hopkinsville, KY, Quick Loan in Louisville, KY, Same Day 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 Thornton, KY.

Are Payday Loans Legal In Thornton, 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

Thornton, KY payday loan calculator

Payday Loans in Thornton, Kentucky: Everything You Need to Know

If you’re in need of quick funds to cover a financial emergency or unexpected expense, a payday loan may be a helpful solution for you. In Thornton, Kentucky, payday loans are legal for check cashers to offer to consumers. In this comprehensive guide, we’ll cover everything you need to know about payday loans in Thornton, from the application process to the legal requirements and beyond.

What are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that are designed to help borrowers cover unexpected expenses. These loans generally have a repayment term of two to four weeks, depending on the lender’s terms. Payday loans usually have higher interest rates than traditional loans, making them a more expensive option for borrowers.

Application Process

The application process for a payday loan in Thornton, Kentucky is relatively simple. Applicants can apply in-person at a check cashing store or online through a payday loan website. The application will require personal information such as your name, address, employment status, and banking information. Some lenders may also require proof of income, such as a recent pay stub or bank statement.

Legal Requirements

In Kentucky, payday loans are legal for check cashers to offer to consumers. However, there are certain regulations that lenders must follow. The maximum loan amount is $500 and the maximum loan term is 60 days. Lenders cannot charge more than $15 per $100 borrowed or 3% of the loan amount per month, whichever is less. Lenders are also required to provide borrowers with a written agreement that outlines the terms of the loan.

Repayment Process

When it comes time to repay your payday loan in Thornton, Kentucky, you’ll typically have two options. You can either pay the loan off in full, including the principal and interest, on your due date, or you can roll the loan over and pay only the interest. However, rolling a loan over can be expensive and can lead to a cycle of debt, so it’s important to consider all of your options carefully before making a decision.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a quick and easy online application process for payday loans in Thornton, Kentucky. Our online application is secure and confidential, and our network of lenders offers competitive rates and flexible repayment terms. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Apply now and get the funds you need to cover your emergency expenses.

Interesting Facts or Statistics

– According to the Kentucky Department of Financial Institutions, the average payday loan amount in the state of Kentucky is $350.
– In Kentucky, the state law does not allow borrowers to rollover their loans more than twice.
– According to the Pew Charitable Trusts, Kentucky has one of the highest payday loan usage rates in the country, with 10% of adults using payday loans in the past five years.

In conclusion, payday loans in Thornton, Kentucky can be a helpful option for borrowers in need of fast funds. It’s important to understand the application process, legal requirements, and repayment options before taking out a payday loan. Remember to only borrow what you can afford to pay back and to consider alternative options if possible. Apply now through TheGuaranteedLoans and get the quick funds you need to cover your emergency expenses.

F.A.Q.

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

Yes, there are several alternatives to payday loans in Thornton, 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 Thornton, Kentucky?

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