Payday Loans in Eolia, Kentucky

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

Company nameAddressZip codePhone number
Mountain Association 433 Chestnut St, Berea, KY 40403 +1 (859) 986 - 2373
Quick Money, Pawn Shop, Payday Loans 1413 Highland Ave, Carrollton, KY 41008 +1 (502) 732 - 0884
Eagle Finance 246 Russell Rd, Ashland, KY 41101 +1 (606) 644 - 0100
Dodge's Money Center 301 S Green St, Henderson, KY 42420 +1 (270) 869 - 0587
BB&T 501 Monmouth St, Newport, KY 41071 +1 (859) 655 - 3100
Regency Finance Company 2835 US-27 #186, Somerset, KY 42501 +1 (606) 677 - 0123
World Finance Corporation 1407 E Crystal Dr d, La Grange, KY 40031 +1 (502) 222 - 8869
ESB Home Loans 913 W Main St, Glasgow, KY 42141 +1 (270) 659 - 3546
World Finance 2319 Lakeway Dr, Russell Springs, KY 42642 +1 (270) 866 - 4420
First Financial Bank 1012 US-127, Lawrenceburg, KY 40342 +1 (502) 839 - 7776

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eolia, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Florence, KY, Bad Credit Loans in Georgetown, KY, Bad Credit Loans in Hopkinsville, KY, Payday Loan for Louisville, KY, Payday Loan Without a Credit Check 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 Eolia, KY.

Useful Articles

Are Payday Loans Legal In Eolia, 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

Eolia, KY payday loan calculator

Advise to read before applying

Understanding Payday Loans in Eolia, Kentucky

Payday loans are a type of short-term lending product that can help borrowers cover unexpected expenses or bridge the gap between paychecks. In Eolia, Kentucky, payday loans are legal, but only through approved check cashers. For those who may be considering a payday loan, it’s essential to understand how they work and the potential risks involved.

How Do Payday Loans Work?

Payday loans are typically small-dollar loans that are due to be repaid, in full, on the borrower’s next payday. Borrowers are typically required to provide a post-dated check or electronic access to their bank account to receive the loan. The loan amount, plus interest and fees, is typically debited from the borrower’s account on the due date.

Payday loans are usually associated with high-interest rates and fees, making them costly options for borrowers who are already struggling financially. In Kentucky, state law prohibits payday loans that exceed $500 and caps the maximum allowable interest rate at 36%.

Risks Involved with Payday Loans

Although payday loans can appear to be a viable option for those facing unexpected financial situations, they come with significant risks. These risks include:

  • High-Interest Rates: Payday loans usually come with extremely high-interest rates, often exceeding 300%. This can make repayment difficult or impossible for borrowers, trapping them in a cycle of debt.
  • Short Repayment Period: Payday loans typically must be repaid in just a few weeks, making it challenging for borrowers to come up with the necessary funds quickly.
  • Debt Cycle: Many borrowers are unable to repay the loan in full on the due date and must renew or roll over the loan. This can lead to long-term debt, as each renewal comes with additional fees and interest.

Interesting Facts about Payday Loans in Eolia, Kentucky

  • According to a report by the Kentucky Coalition for Responsible Lending, the average payday loan borrower in Kentucky takes out 10 or more loans a year.
  • The same report found that the average borrower pays $563 in fees per year for payday loans.
  • Kentucky law allows for a maximum loan term of 60 days for payday loans.

TheGuaranteedLoans – Your Lending Connection

TheGuaranteedLoans is a trusted online lending connector service that can help connect borrowers in Eolia, Kentucky, with potential payday loan lenders. As a connector service, we do not make lending decisions or provide loans directly. Instead, we work to connect borrowers with reputable lenders who may offer loans that fit their needs.

If you are considering a payday loan and wish to explore your options, TheGuaranteedLoans is here to help. Our online application process is fast and straightforward, and we work with a network of trusted lenders to help borrowers get the funds they need.

Apply Now with TheGuaranteedLoans

If you are in need of a payday loan and meet the following criteria, you may be eligible to apply:

  • At least 18 years old
  • A U.S. citizen or permanent resident
  • Have a Job
  • Have a steady income

At TheGuaranteedLoans, we strive to provide borrowers with clear, accurate information about payday loans to help them make informed decisions. If you’re ready to take the first step in securing a payday loan in Eolia, Kentucky, fill out our online application today!

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Eolia, Kentucky?

Yes, you can be sued or have your wages garnished if you default on your payday loan in Eolia, Kentucky.

Are there any consumer protection laws for payday loans in Eolia, Kentucky?

Yes, Kentucky has consumer protection laws for payday loans that regulate the terms and conditions of these loans.

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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