Payday Loans in Bethlehem, Kentucky

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

Company nameAddressZip codePhone number
HLT Check Exchange 71 Miller Dr, Owingsville, KY 40360 +1 (606) 674 - 9195
Checks Etc 650 U.S. 31 W Bypass, Bowling Green, KY 42103 +1 (270) 843 - 4435
First American Cash Advance 2845 W Parrish Ave j, Owensboro, KY 42301 +1 (270) 688 - 8448
Pulaski Financial Services Inc 84 Sycamore St, Burnside, KY 42519 +1 (606) 677 - 2735
Service One Credit Union Glasgow 116 Ensminger Dr, Glasgow, KY 42141 +1 (270) 651 - 6611
After Hours Payday Loans 410 E Main St, Stanford, KY 40484 +1 (606) 365 - 8889
U.S. Bank ATM - Cave City 104 Broadway St, Cave City, KY 42127 +1 (800) 872 - 2657
U.S. Bank Branch 114 W Russell St, Elkhorn City, KY 41522 +1 (606) 754 - 5082
Citizens Bank - Broadhead 53 S Main St, Brodhead, KY 40409 +1 (606) 758 - 8212
Cash Express 1805 N Dixie Hwy, Elizabethtown, KY 42701 +1 (270) 735 - 1421

Payday Loan Companies in Nearby Cities

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

Useful Articles

Are Payday Loans Legal In Bethlehem, 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

Bethlehem, KY payday loan calculator

Advise to read before applying

Payday Loans in Bethlehem, Kentucky: All You Need to Know

Are you facing an unexpected financial emergency in Bethlehem, Kentucky? Do you need quick cash to cover bills or pay for an unexpected expense? If so, a payday loan might be the solution you need.

In this comprehensive guide, we’ll take a closer look at payday loans in Bethlehem, Kentucky, and provide you with the information you need to make an informed decision. From legal regulations to application requirements and interest rates, we’ve got you covered.

What Are Payday Loans?

A payday loan, also known as a cash advance loan, is a short-term loan typically used to cover unexpected expenses or to bridge the gap between paychecks. They are typically small loans, ranging between $100 and $1000, and are designed to be paid back within a few weeks or months.

Payday loans are usually an option for people who have bad credit scores or little savings, and can’t get a loan from their bank or credit union.

Payday Loan Legal Regulations in Bethlehem, Kentucky

In the state of Kentucky, payday loans are legal, but only for check cashers. This means that payday loan lenders need to be licensed check cashers in order to operate in the state.

Additionally, payday loan lenders are bound by the Kentucky Revised Statute Ann. §§ 286.9.010 et seq., which caps the maximum loan amount at $500 and the maximum loan term at 60 days. The law also requires lenders to follow specific guidelines when advertising and disbursing loans to borrowers.

Application Process for Payday Loans in Bethlehem, Kentucky

The process of applying for a payday loan in Bethlehem, Kentucky is typically simple and straightforward. The borrower needs to provide proof of income, such as a recent pay stub, a valid photo ID, and a post-dated check or authorization for an electronic funds transfer from their bank account.

The lender will then review the application and determine whether the borrower is eligible for a loan. If approved, the loan funds will be disbursed to the borrower’s bank account or provided in cash.

The Cost of Payday Loans in Bethlehem, Kentucky

Payday loans in Bethlehem, Kentucky come with high-interest rates and fees, which can make them an expensive option for borrowers. The state of Kentucky caps the annual interest rate on payday loans at 459% for a 14-day loan of $100.

Additionally, lenders may charge fees, including origination fees, late fees, and non-sufficient funds (NSF) fees, for bounced checks or failed electronic funds transfers. Before taking out a payday loan, it’s important to understand the full cost of the loan, including all fees and interest rates, and to determine whether you can afford to repay it on time.

Interesting Facts and Statistics about Payday Loans in Bethlehem, Kentucky

  • In 2019, Kentucky consumers took out 595,621 payday loans, with an average loan amount of $376 and average APR of 391%.
  • Payday loan borrowers in Kentucky take out an average of eight loans per year and spend an average of 202 days in debt to payday lenders.
  • The majority of payday loan borrowers in Kentucky are female (62%) and aged between 25 and 44 (55%).
  • According to a report by the Consumer Financial Protection Bureau (CFPB), 83% of payday loan borrowers in the U.S. take out another loan within 14 days of their last loan.

Apply Now for a Payday Loan in Bethlehem, Kentucky

If you need quick cash to cover unexpected expenses in Bethlehem, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and straightforward, and we can help you find the right loan for your needs.

Remember, TheGuaranteedLoans is not a direct lender, but rather a connector service that will facilitate your connection with potential lenders. If you’re approved for a loan, make sure to read the terms and conditions carefully and to understand the full cost of the loan before accepting it.

Get started with your payday loan application today by filling out our simple online form.

F.A.Q.

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

Yes, individuals on active military duty are eligible to apply for payday loans in Bethlehem, 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 Bethlehem, Kentucky?

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

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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