Payday Loans in Utica, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 483 N Wallace Wilkinson Blvd, Liberty, KY 42539 +1 (606) 787 - 0818
Check Advance 1575 Old US Hwy 68 Loop 2, Maysville, KY 41056 +1 (606) 759 - 7514
Community Trust Bank 155 Main St, Whitesburg, KY 41858 +1 (606) 633 - 0161
WesBanco Bank 416 E Broadway, Brandenburg, KY 40108 +1 (270) 422 - 2172
Money Now 2206 Hikes Ln A, Louisville, KY 40218 +1 (502) 456 - 6663
Forcht Bank 230 Violet Rd, Crittenden, KY 41030 +1 (859) 428 - 1900
Payday Cash Advance 10880 KY-44, Mt Washington, KY 40047 +1 (502) 538 - 3776
Advance America 2017-B Brownsboro Rd., Louisville, KY 40206 +1 (502) 897 - 9656
MoneyGram 1869 N 25th St, Middlesboro, KY 40965 +1 (606) 248 - 5117
Advance America 931 N Main St, Nicholasville, KY 40356 +1 (859) 881 - 8032

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Utica, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Florence, KY, Online Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Payday Loans in Louisville, KY, No Credit Check 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 Utica, KY.

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

42376

Are Payday Loans Legal In Utica, 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

Utica, KY payday loan calculator

Utica, Kentucky is a small town located in Daviess County in the western part of the state. The town has a population of just over 1,000 people and is known for its historical landmarks, including the Wagoner Mansion and the Old Utica Elementary School, which has been converted into an art gallery.

Payday loans in Utica, Kentucky

Like many other places in Kentucky, payday loans are legal in Utica. This means that if you need to borrow money quickly, you can easily find a lender who will meet your needs. However, it’s important to know what you’re getting into before you take out a payday loan. These loans come with high interest rates and fees, and if you’re not careful, you could wind up in a cycle of debt.

What are payday loans?

Payday loans are short-term loans that are typically due on your next payday (hence the name). These loans are designed to help you cover unexpected expenses, like car repairs or medical bills, when you’re short on cash. You can typically borrow a few hundred dollars with a payday loan, and you’ll be expected to pay it back (plus interest and fees) within a few weeks.

How do payday loans work in Utica, Kentucky?

If you need a payday loan in Utica, Kentucky, you can find lenders both online and in-person. Check cashers in the state are allowed to offer payday loans, so you can visit a local check cashing store to apply. Alternatively, you can also apply for a payday loan online.

When you apply for a payday loan, the lender will ask you for some basic information, like your name and address, as well as your employment and income. They’ll also ask you to provide a post-dated check or authorization for an electronic withdrawal from your bank account. This check or authorization will cover the amount you’re borrowing, plus the interest and fees associated with the loan.

Once you’re approved for a payday loan, you’ll receive the money you need. Typically, you’ll have a few weeks to pay off the loan before it’s due. If you don’t pay off the loan in full, the lender will cash your check or withdraw the authorized amount from your bank account.

What are the risks of payday loans?

While payday loans can be a convenient way to borrow money quickly, they come with significant risks. First and foremost, payday loans are incredibly expensive. The interest rates and fees associated with these loans can be astronomical, and if you’re not careful, you could wind up paying back much more than you borrowed.

In addition, payday loans have short repayment periods. If you’re not able to pay off the loan on your next payday, you may be forced to roll it over, which means taking out another loan to cover the original loan. This can start a cycle of debt that’s difficult to break free from.

Interesting facts and statistics about payday loans in Utica, Kentucky

  • There are more than 300 payday lending storefronts in Kentucky.
  • In 2018, Kentucky lawmakers attempted to pass legislation that would cap payday lending interest rates at 36%. However, the legislation was unsuccessful.
  • A 2015 report found that the average payday loan borrower in Kentucky takes out 10 loans per year and spends 199 days of the year in debt.
  • In Kentucky, the maximum payday loan amount is $500, and the maximum loan term is 60 days.

Apply now

If you need a payday loan in Utica, Kentucky, TheGuaranteedLoans can help. We’re a connector service that works with a network of reputable lenders to help you find the loan you need. When you fill out our online application, we’ll connect you with lenders who meet your needs, and you can choose the loan that’s right for you. However, it’s important to remember that we’re not a direct lender, and we don’t make lending decisions. Instead, we facilitate your connection with potential lenders.

To get started, simply fill out our online application. It’s quick, easy, and confidential. And if you have any questions or concerns along the way, our customer service team is here to help. Contact us today to learn more!

F.A.Q.

What fees are associated with payday loans in Utica, Kentucky?

Payday loans in Utica, Kentucky may have fees for late payments, insufficient funds, or other penalties. Be sure to carefully review the terms of the loan before agreeing to it.

Can I apply for a payday loan if I am currently in bankruptcy in Utica, Kentucky?

No, individuals who are currently in bankruptcy are not eligible for payday loans in Utica, Kentucky.