Payday Loans in Harned, Kentucky

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

Company nameAddressZip codePhone number
River Valley AgCredit 12350 US-60, Kevil, KY 42053 +1 (270) 462 - 2155
Nicholas Financial Inc 3421 Stony Spring Cir, Louisville, KY 40220 +1 (502) 491 - 8110
ABC Finance Co., Inc. 430 US-62, Princeton, KY 42445 +1 (270) 365 - 7444
Cash Express 229 S Mayo Trail, Paintsville, KY 41240 +1 (606) 789 - 3636
Citizens Guaranty Bank 1282 Richmond Rd, Irvine, KY 40336 +1 (606) 723 - 2138
U.S. Bank ATM - Morehead State University 150 University Blvd, Morehead, KY 40351 +1 (800) 872 - 2657
Peoples Exchange Bank 175 Brooks Pl Way, Winchester, KY 40391 +1 (800) 364 - 3631
WesBanco Bank 100 United Dr, Versailles, KY 40383 +1 (859) 873 - 3136
Citizens Bank of Cumberland County 209 Keen St, Burkesville, KY 42717 +1 (270) 864 - 2323
First Financial Bank 1843-2099, Oak Park Blvd, Calvert City, KY 42029 +1 (270) 395 - 0781

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harned, 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, Payday 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 Harned, KY.

Are Payday Loans Legal In Harned, 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

Harned, KY payday loan calculator

Payday Loans in Harned, Kentucky: What You Need to Know

Payday loans are short-term loans offered by check cashing companies to help borrowers get quick cash to cover unexpected expenses. In Harned, Kentucky, payday loans are legal and regulated by state law. If you are considering a payday loan in Harned, here’s what you need to know.

How Payday Loans Work

Payday loans are short-term loans that usually range from $100 to $500. The loan amount is based on your income, and the lender will require proof of your income and employment in order to approve your loan application. The loan is typically due in full on your next payday.

When you apply for a payday loan, you will need to provide the lender with a post-dated check for the loan amount plus fees. The lender will hold onto the check until your next payday, when they will deposit the check to repay the loan.

Payday Loan Requirements in Harned, Kentucky

In order to qualify for a payday loan in Harned, Kentucky, you must be at least 18 years old and have a source of income. You will also need to provide a valid ID, proof of income and employment, and a post-dated check for the loan amount plus fees.

Unlike other states, Kentucky state law does not limit the interest rate on payday loans. This means that lenders can charge high interest rates, making payday loans a very expensive way to borrow money.

The Risks of Payday Loans

While payday loans can seem like a quick and easy way to get cash, they come with a lot of risks. The high interest rates can make it difficult to repay the loan on time, and many borrowers end up having to borrow again just to pay off the first loan. This can lead to a cycle of debt that can be hard to break.

Payday loans can also be a trap for low-income borrowers who may not understand the true cost of borrowing. The high interest rates and fees can quickly add up, leaving borrowers with little money to cover basic living expenses.

Alternatives to Payday Loans

If you are considering a payday loan in Harned, Kentucky, it’s important to explore all of your options. There are many alternatives to payday loans, including:

  • Credit cards
  • Personal loans
  • Overdraft protection
  • Borrowing from friends or family
  • Payment plans with creditors

Before you take out a payday loan, make sure you have considered all of your options. If you do decide to take out a payday loan, make sure you understand the risks and have a plan to repay the loan on time.

Interesting Facts About Payday Loans in Harned, Kentucky

  • In Kentucky, consumers can borrow up to $500 from a payday lender.
  • The average payday loan in Kentucky is $341.
  • In Kentucky, payday lenders charge an average interest rate of 456%.
  • In Kentucky, the average annual income of payday loan borrowers is $25,000.
  • The majority of payday loan borrowers in Kentucky use the loans to cover living expenses, such as rent and utilities.

Apply Now

If you are interested in applying for a payday loan in Harned, Kentucky, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we specialize in helping consumers find the best loan options for their needs. To get started, simply fill out our online application and we will match you with potential lenders in your area.

Remember, payday loans are a very expensive way to borrow money, and they come with a lot of risks. Before you take out a payday loan, make sure you have considered all of your options and have a plan to repay the loan on time.

F.A.Q.

Is there a cooling-off period between payday loan payments in Harned, Kentucky?

Yes, there is a mandatory cooling-off period of at least 7 days between payday loan payments in Harned, Kentucky.

Can I be charged additional fees for late or missed payments on my payday loan in Harned, Kentucky?

Yes, you may be charged additional fees for late or missed payments on your payday loan in Harned, Kentucky.