Payday Loans in Miracle, Kentucky

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

Company nameAddressZip codePhone number
Cash Advance Centers of KY 3333 Court St, Suite 3, Catlettsburg, KY 41129 +1 (606) 739 - 0224
Mortgage Suppliers 8771 Rockwell Rd, Winchester, KY 40391 +1 (859) 737 - 1902
Monticello Banking Company 2554 US-127, Russell Springs, KY 42642 +1 (270) 866 - 7322
Cash Express 752 State Hwy 2034 #5, Ermine, KY 41815 +1 (606) 633 - 7734
Cash Express 274 KY-44, Shepherdsville, KY 40165 +1 (502) 543 - 4379
Fifth Third Bank & ATM 240 Fairfield Ave, Bellevue, KY 41073 +1 (859) 431 - 2227
First Financial Credit 102 Blairs Way, Louisa, KY 41230 +1 (606) 638 - 7737
Personal Finance Company 700 Happy Valley Rd b, Glasgow, KY 42141 +1 (270) 629 - 4732
Cash Express N., 318 Main St #4, Owenton, KY 40359 +1 (931) 520 - 8662
Community Trust Bank 1056 KY-610, Virgie, KY 41572 +1 (606) 639 - 4451

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Miracle, KY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Florence, KY, Emergency Loan in Georgetown, KY, Emergency Loan in Hopkinsville, KY, Bad Credit Loans in Louisville, KY, Emergency Loan 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 Miracle, KY.

Useful Articles

Are Payday Loans Legal In Miracle, 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

Miracle, KY payday loan calculator

Advise to read before applying

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

Payday loans are a type of short-term loan that is designed to provide individuals with quick access to cash. These loans are typically used to cover unexpected expenses, such as car repairs or medical bills, and are usually paid back in full on the borrower’s next payday.

In Kentucky, payday loans are legal for check cashers only. This means that if you need a payday loan in Miracle, Kentucky, you will need to find a licensed check casher in the area. If you are considering taking out a payday loan, there are a few things you should know before you apply.

How Payday Loans Work

Payday loans are typically small, short-term loans that are designed to be repaid on the borrower’s next payday. The amount of the loan is usually based on the borrower’s income and can range from a few hundred dollars to a few thousand dollars.

When you apply for a payday loan, you will typically need to provide proof of income and identification. If you are approved for the loan, the lender will give you the cash or deposit it directly into your bank account. You will then need to repay the loan in full, along with any fees and interest, on your next payday.

The Cost of Payday Loans

Payday loans can be expensive, and the fees and interest can add up quickly. Kentucky law allows lenders to charge a maximum of 15% of the amount of the loan as a fee. For example, if you borrow $500, the lender can charge you a fee of up to $75.

In addition to the fee, you will also need to pay interest on the loan. The interest rate on payday loans in Kentucky is capped at 459% APR. This means that if you borrow $500 for two weeks, you will owe the lender approximately $575 in fees and interest.

Risks and Alternatives

Payday loans can be risky, and if you are not able to repay the loan in full on your next payday, you may end up paying additional fees and interest. This can put you in a cycle of debt that can be difficult to break.

Before you apply for a payday loan, it is important to consider all of your options. You may be able to borrow money from a family member or friend, or you may be able to get a personal loan from a bank or credit union. These options may have lower fees and interest rates than a payday loan.

Interesting Facts About Payday Loans in Miracle, Kentucky

  • There are currently no payday loan storefronts in Miracle, Kentucky
  • In 2019, the average payday loan in Kentucky was for $372
  • The majority of payday loan borrowers in Kentucky are female and between the ages of 25 and 44

Apply Now

If you are considering a payday loan in Miracle, Kentucky, TheGuaranteedLoans can help you find a licensed check casher in the area. We are a connector service and work with a network of potential lenders. If you are approved for a loan, the lender will provide you with the cash or deposit it directly into your bank account. Apply now to get started.

Note: Remember that payday loans can be expensive, and it is important to only borrow what you can afford to repay. TheGuaranteedLoans is not a direct lender and does not make lending decisions. We simply facilitate your connection with potential lenders. Please read our terms and conditions carefully before applying.

F.A.Q.

How do I repay a payday loan in Miracle, Kentucky?

Payday loans in Miracle, Kentucky are typically repaid in full on the borrower's next payday, either by providing a post-dated check or authorizing electronic access to the borrower's checking account.

Can I apply for a payday loan if I am self-employed in Miracle, Kentucky?

Yes, individuals who are self-employed are eligible to apply for payday loans in Miracle, Kentucky. However, they may need to provide additional documentation to prove their income.

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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