Payday Loans in Gays Creek, Kentucky

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

Company nameAddressZip codePhone number
Fifth Third Bank & ATM 2034 KY-53, La Grange, KY 40031 +1 (502) 222 - 2291
World Finance 1916 Bypass Rd, Winchester, KY 40391 +1 (859) 737 - 6281
Appalachian Community Insurance Agency 417 Main St 1, McKee, KY 40447 +1 (423) 230 - 2620
Mariner Finance 1728 KY-192 Suite 2, London, KY 40741 +1 (606) 864 - 8750
Cash Express 110 S Main St, Morgantown, KY 42261 +1 (270) 662 - 0050
Check `n Go 7277 Turfway Rd, Florence, KY 41042 +1 (859) 746 - 1111
Checks Etc 1347 KY-185, Bowling Green, KY 42101 +1 (270) 843 - 4435
Cash Advance Center Of Kentucky 1631 Ashland Rd, Greenup, KY 41144 +1 (606) 473 - 0353
United Citizens Bank 2261 US-127, Russell Springs, KY 42642 +1 (270) 858 - 2265
Check Into Cash 2247 Hikes Ln, Louisville, KY 40218 +1 (502) 456 - 2231

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gays Creek, 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, No Credit Check Loans in Hopkinsville, KY, Payday Loans in Louisville, KY, No Credit Check Loans in Owensboro, KY and Short-term 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 Gays Creek, KY.

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Are Payday Loans Legal In Gays Creek, 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

Gays Creek, KY payday loan calculator

Advise to read before applying

Understanding Payday Loans in Gays Creek, Kentucky

Payday loans can be a convenient way to get fast cash when you’re faced with an unexpected expense. In Gays Creek, Kentucky, payday loans are legal for check cashers. However, it’s important to understand the details before taking out a loan.

What is a payday loan?

A payday loan is a short-term loan that is typically due on your next payday. The loan amount is usually smaller, typically ranging from $100 to $500, and is intended to help you cover emergency expenses such as car repairs or medical bills.

When you take out a payday loan, you’re required to provide the lender with a post-dated check or access to your bank account. At the end of the loan term, the lender cashes the check or withdraws the funds from your account to repay the loan plus interest and fees.

Are there restrictions on payday loans in Gays Creek, Kentucky?

In Gays Creek, Kentucky, payday loans are legal for check cashers. However, there are some important restrictions in place to protect borrowers.

  • The maximum loan amount is $500
  • The loan term must be between 14 and 60 days
  • The maximum finance charge is $15 per $100 borrowed
  • The APR (annual percentage rate) on a 14-day loan is 390%
  • Borrowers may only have two loans at a time, with a total loan amount not exceeding $500

It’s important to note that payday lenders in Gays Creek must be licensed, and they are required to prominently display their license in their store and on their website.

What are the risks of payday loans?

While payday loans can be a helpful resource in an emergency, they come with some risks that borrowers should be aware of.

One risk is the high cost of payday loans. The finance charges and APR on payday loans can be much higher than those on traditional loans, making it easy for borrowers to get trapped in a cycle of debt.

Another risk is that payday lenders may not fully disclose the terms of the loan, making it difficult for borrowers to understand the true cost of borrowing. It’s important to read the loan agreement carefully and ask questions if anything is unclear.

Interesting Facts and Statistics

  • According to the Kentucky Department of Financial Institutions, there were 461,797 payday loans made in Kentucky in 2019, totaling $146,313,305.
  • The average loan size in Kentucky was $316 in 2019.
  • Payday lending in Kentucky has declined significantly since 2009 due to changes in state law and increased regulation.

Apply Now for a Payday Loan in Gays Creek

If you’re in need of a payday loan in Gays Creek, TheGuaranteedLoans can help connect you with reputable lenders. We provide a fast and easy online application process, and our network of lenders offers flexible loan options to meet your individual needs.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We do not make lending decisions or determine loan terms. Instead, we facilitate your connection with potential lenders and provide you with the information you need to make an informed borrowing decision.

So why wait? Apply now for a payday loan in Gays Creek and get the cash you need to cover your unexpected expenses.

F.A.Q.

Can I be denied a payday loan in Gays Creek, Kentucky based on my credit score?

No, payday lenders in Gays Creek, Kentucky are not allowed to deny a loan based on your credit score. However, a low credit score may affect the terms and conditions of the loan.

How do I know if a payday lender is licensed to operate in Gays Creek, Kentucky?

To check if a payday lender is licensed to operate in Gays Creek, Kentucky, you can visit the Kentucky Office of Financial Institutions website and search for their name or license number.

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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