Payday Loans in White Mills, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 965 US-25W #23, Williamsburg, KY 40769 +1 (606) 539 - 0174
City National Bank 119 N Main Cross St, Louisa, KY 41230 +1 (606) 638 - 4579
Cash Express 228 Lexington Rd, Lancaster, KY 40444 +1 (859) 792 - 1926
First State Bank 41 W Main St, Inez, KY 41224 +1 (606) 298 - 3511
Cash Express 1202 N Main St, Beaver Dam, KY 42320 +1 (270) 274 - 8232
Lendmark Financial Services LLC 611 Marion Rd, Princeton, KY 42445 +1 (270) 365 - 7031
Cash Connection inc. 78 Ball Park Rd, Hardinsburg, KY 40143 +1 (270) 756 - 2110
FirstBank 1520 Old Gallatin Rd, Scottsville, KY 42164 +1 (270) 237 - 3141
Check Into Cash 429 N 12th St, Middlesboro, KY 40965 +1 (606) 248 - 0235
World Finance Corporation 110 Corporate Dr # 100, Hazard, KY 41701 +1 (606) 439 - 1900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in White Mills, 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, Guaranteed Loans in Hopkinsville, KY, Quick Loan in Louisville, KY, Payday Loans in Owensboro, KY and Same Day 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 White Mills, KY.

Are Payday Loans Legal In White 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

White Mills, KY payday loan calculator

Understanding Payday Loans in White Mills, Kentucky

Payday loans are a type of short-term, high-interest loan that is typically used to cover unexpected expenses or to bridge a financial gap between paychecks. In Kentucky, payday loans are legal but only for check cashers. This means that payday lenders in Kentucky are not licensed and regulated by the state government.

If you are considering taking out a payday loan in White Mills, Kentucky, it is important to understand how they work, the potential risks and benefits, and the regulations surrounding these types of loans. In this article, we will provide you with the information you need to make an informed decision about whether a payday loan is right for you.

How Payday Loans Work

Payday loans typically have short repayment periods, usually ranging from 14 to 30 days. They are intended to be used as a short-term solution to financial emergencies and should not be viewed as a long-term borrowing option.

To obtain a payday loan, you must provide a personal check or authorization to the lender to withdraw funds from your bank account on the date the loan is due. The loan amount typically ranges from $100 to $500, although this may vary depending on the lender and state regulations.

The Pros and Cons of Payday Loans

Pros:

  • Quick and easy access to cash when needed
  • No credit check or collateral required

Cons:

  • High interest rates and fees
  • Short repayment periods can make it difficult to repay the loan on time
  • Risk of falling into a cycle of debt if the loan is not repaid on time

Regulations for Payday Loans in Kentucky

In Kentucky, payday lenders are limited to charging a maximum of $15 per $100 borrowed. The loan term cannot exceed 30 days, and borrowers are limited to a total of two loans at any given time.

It is important to note that payday lenders in Kentucky are not licensed and regulated by the state government. This means that there are no guarantees that the lender is operating within the law or that your personal information will be kept secure.

Interesting Facts and Statistics about Payday Loans in White Mills, Kentucky

– The average payday loan amount in Kentucky is $380
– The average interest rate on a payday loan in Kentucky is 460%
– The average borrower in Kentucky takes out eight payday loans per year

Apply Now

If you are in need of a payday loan in White Mills, Kentucky, TheGuaranteedLoans can help. Our online application process is quick and easy, and we work with a network of trusted lenders who can help you get the cash you need. Please note that we are 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 bridge the gap between paychecks.

Conclusion

Payday loans can be a valuable tool for those in need of cash, but it is important to understand the potential risks and benefits before making a decision. If you are considering a payday loan in White Mills, Kentucky, be sure to do your research and choose a lender that is reputable and transparent about their fees and charges. With the right care and attention, a payday loan can help you get through a difficult financial time.

F.A.Q.

Can I cancel or void my payday loan in White Mills, Kentucky?

Yes, you have the right to cancel or void your payday loan within 14 days of signing the loan agreement in White Mills, Kentucky.

Can I be charged a penalty for prepaying my payday loan in White Mills, Kentucky?

No, you cannot be charged a penalty for prepaying your payday loan in White Mills, Kentucky.