Payday Loans in Wildie, Kentucky

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

Company nameAddressZip codePhone number
Personal Finance Company 102 Corporate Dr, Lebanon, KY 40033 +1 (270) 692 - 0126
Signet Federal Credit Union 451 Court St, Wickliffe, KY 42087 +1 (270) 335 - 3868
Walmart Money Center 1650 Edmonton Rd, Tompkinsville, KY 42167 +1 (270) 487 - 0780
Cash Master Inc 1063 S Lake Dr, Prestonsburg, KY 41653 +1 (606) 886 - 0908
LendNation 760 Campbell Ln 104, Bowling Green, KY 42104 +1 (270) 846 - 1730
Woodforest Bank 1725 W Everly Brothers Blvd, Central City, KY 42330 +1 (270) 754 - 1550
Lincoln National Bank 41 Lincoln Square, Hodgenville, KY 42748 +1 (270) 358 - 4562
Cash Express 101 N Cross St, Albany, KY 42602 +1 (606) 387 - 0531
Republic Finance 3094 Richmond Rd Suite E-170, Lexington, KY 40509 +1 (859) 269 - 0366
Cash Express 111 Newman Drive, Eddyville, KY 42038 +1 (270) 601 - 5056

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wildie, 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, 24-Hour Loan in Hopkinsville, KY, Payday Loans in Louisville, KY, No Credit Check 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 Wildie, KY.

Are Payday Loans Legal In Wildie, 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

Wildie, KY payday loan calculator

Payday Loans in Wildie, Kentucky

Payday loans, also known as cash advances or paycheck advances, are small, short-term loans that are typically due on the borrower’s next payday. These loans are designed for individuals who need quick cash before their next paycheck to cover unexpected expenses or emergencies.

Payday loans are legal in Kentucky but are regulated to protect consumers. Check cashers can offer payday loans under Kentucky law, but they must follow certain guidelines and limitations to ensure fair lending practices.

How Payday Loans Work in Wildie, Kentucky

Payday loans in Wildie, Kentucky, work similarly to other states that allow payday lending. Borrowers can apply for a loan in person at a check casher or online through a lending service like TheGuaranteedLoans.

Once approved, the borrower receives the funds and agrees to repay the loan and any associated fees within a specific timeframe. In Kentucky, the loan term cannot exceed 60 days, and the loan amount cannot exceed $500 per borrower per loan.

Interest rates and fees on payday loans in Wildie, Kentucky, are limited to avoid predatory lending practices. The interest rate cannot exceed 15% of the amount borrowed, and the lender can charge additional fees for loan processing and handling.

Benefits and Drawbacks of Payday Loans in Wildie, Kentucky

Like any financial product, payday loans in Wildie, Kentucky, have their benefits and drawbacks. One benefit is the convenience and accessibility that payday loans offer. Borrowers can access funds quickly and easily, even if they have poor credit or no credit history.

However, payday loans also have significant drawbacks that borrowers should consider before taking out a loan. The most significant drawback is the high-interest rates that lenders can charge, which can make it difficult for borrowers to pay back the loan on time and can lead to a cycle of debt.

Additionally, payday loans can lead to over-reliance on credit and can make it challenging to build long-term financial stability.

Interesting Facts and Statistics about Payday Loans in Wildie, Kentucky

  • Kentucky has some of the weakest state laws regulating payday loans in the U.S.
  • In Kentucky, the average payday loan borrower takes out eight loans per year, nearly double the national average.
  • Payday lenders in Kentucky charge a 400% APR, which is four times higher than the average credit card interest rate.
  • In 2019, Kentucky lawmakers proposed new regulations on payday lending that would cap interest rates at 36% and limit the number of loans borrowers can take out in a year.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Wildie, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, TheGuaranteedLoans works to match you with the best loan options based on your unique financial circumstances and needs.

To get started, fill out our simple online application. You’ll need to provide some basic personal and financial information, and we’ll use that information to identify potential lenders who may be able to help you get the cash you need.

Remember, payday loans should only be used in emergencies or for short-term needs. They are not a long-term financial solution and should not be relied on for ongoing expenses or debt management.

Conclusion

Payday loans in Wildie, Kentucky, can be a helpful tool when used responsibly and in emergencies. However, borrowers should be aware of the significant drawbacks of payday loans, including high-interest rates and potential debt cycles. Consider all your options carefully and work with trusted financial experts like TheGuaranteedLoans to find the best lending solutions for your unique needs.

F.A.Q.

Can I apply for a payday loan if I am receiving Social Security benefits in Wildie, Kentucky?

Yes, individuals who are receiving Social Security benefits are eligible to apply for payday loans in Wildie, Kentucky. However, they will need to provide proof of income in order to qualify.

Can I apply for a payday loan if I am a student in Wildie, Kentucky?

Yes, students are eligible to apply for payday loans in Wildie, Kentucky, as long as they meet the other eligibility requirements. However, it is important to carefully consider whether a payday loan is the best option for managing their finances as a student.