Payday Loans in Oakland, Kentucky

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

Company nameAddressZip codePhone number
United States Postal Service 5081 4 Mile Rd, Silver Grove, KY 41085 +1 (800) 275 - 8777
Kwik Cash 315 W 5th St #200, Benton, KY 42025 +1 (270) 527 - 4344
Mariner Finance 2606 Zion Rd, Henderson, KY 42420 +1 (270) 826 - 7702
Cash Express 274 HWY 44 E, Shepherdsville, KY 40165 +1 (502) 543 - 4379
LendNation 3101 Richmond Rd Ste 314, Lexington, KY 40509 +1 (859) 268 - 0826
Heritage Bank 1601 N 12th St, Murray, KY 42071 +1 (270) 767 - 2000
Kemba Credit Union 5935 Merchants St, Florence, KY 41042 +1 (513) 762 - 5070
Cash Express 207 E Pike St A, Cynthiana, KY 41031 +1 (859) 234 - 8773
A+ Loans LLC 228 Industrial Park Rd, Harlan, KY 40831 +1 (606) 573 - 3236
World Finance 113 1/2 Union St, Barbourville, KY 40906 +1 (606) 546 - 4441

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oakland, 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 Loan Without a Credit Check in Georgetown, KY, Short-term Loans in Hopkinsville, KY, Guaranteed Loans in Louisville, KY, Payday Loans in Owensboro, KY and Payday Loan for 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 Oakland, KY.

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Payday Loans Available in Oakland, KY By The Following ZIP Codes:

42159

Are Payday Loans Legal In Oakland, 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

Oakland, KY payday loan calculator

Advise to read before applying

Understanding Payday Loans in Oakland, Kentucky

Living in Oakland, Kentucky can present its unique set of financial challenges for its residents. An unexpected expense or emergency can bring about significant financial stress, leaving residents in a desperate search for cash. Payday loans, which are legal in Oakland, Kentucky (for check cashers only) have become a popular option for those in urgent need of cash.

What are payday loans?

Payday loans are a type of short-term loan designed to provide cash in emergencies. They typically range between $100 and $1000. Borrowers are required to pay back the loan amount, along with interest and fees, on their next paycheck. The loan term usually lasts up to two weeks. The application process for payday loans is straightforward and can be completed in-person or online.

The Pros and Cons of Payday Loans in Oakland, Kentucky

As with any financial decision, payday loans have their pros and cons. Understanding both is crucial when considering taking out a payday loan in Oakland, Kentucky.

Pros:

  • Access to quick cash: In an emergency, payday loans can provide quick access to much-needed cash.
  • No credit check: Payday loan providers do not require good credit as a condition for obtaining a loan.
  • No collateral: Payday loans do not require collateral, such as a car or home, to secure the loan.

Cons:

  • High fees: Payday loans have significantly higher fees and interest rates than traditional loans.
  • Short repayment term: The loan term for payday loans is typically shorter than that of traditional loans, increasing the likelihood of default.
  • Potential financial harm: Borrowers who struggle to repay the loan can fall into a cycle of debt, which can lead to financial harm.

Interesting Facts and Statistics about Payday Loans in Oakland, Kentucky

  • As of June 2021, there were approximately 537 licensed payday lending locations in Kentucky.
  • The average payday loan amount in Kentucky is $340
  • Kentucky law allows payday lenders to charge up to $15 per $100 in loan principal.

Apply Now

If you’re considering a payday loan in Oakland, Kentucky, let TheGuaranteedLoans help you find a lending company that meets your needs. Our online application process is fast and easy, and we work with a network of direct lenders who specialize in short-term loans. Fill out the application today to get started on your payday loan journey.

Please note that while TheGuaranteedLoans is not a direct lender, we work hard to connect our clients with potential lenders who can meet their financial requirements.

Conclusion

Payday loans in Oakland, Kentucky can be a useful financial tool for those facing a short-term cash shortfall. However, it is essential to understand the pros and cons of payday loans before seeking one out. Borrowers should ensure they have a solid plan for repaying the loan to avoid falling into a harmful cycle of debt. At TheGuaranteedLoans, we are committed to helping our clients find reputable lenders who can meet their financial needs.

F.A.Q.

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

No, payday lenders in Oakland, 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 Oakland, Kentucky?

To check if a payday lender is licensed to operate in Oakland, 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:

Bowling Green Covington Florence Georgetown Hopkinsville Lexington Louisville Owensboro Paducah Richmond
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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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