Payday Loans in Regina, Kentucky

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

Company nameAddressZip codePhone number
Eagle Finance 4309 Winston Ave, Latonia, KY 41015 +1 (859) 491 - 9901
Advanced Cash America 217 E Broadway St, Campbellsville, KY 42718 +1 (270) 465 - 0798
Check Advance 601 D. N. Carol Malone Blvd., Grayson, KY 41143 +1 (606) 474 - 9119
Fort Knox Federal Credit Union 1175 Pershing Dr, Fort Knox, KY 40121 +1 (502) 942 - 0254
Home Federal Bank 1602 Cumberland Ave, Middlesboro, KY 40965 +1 (606) 248 - 1095
Southwest Funding LP 629 Trade Ave, Eddyville, KY 42038 +1 (270) 388 - 7557
World Finance Corporation 1916 Bypass Rd, Winchester, KY 40391 +1 (859) 737 - 6281
Central Kentucky Ag Credit 1000 Ival James Blvd, Richmond, KY 40475 +1 (859) 623 - 1624
World Finance 106 W John Rowan Blvd Ste D, Bardstown, KY 40004 +1 (502) 350 - 3884
World Finance 110 Corporate Dr Ste 100, Hazard, KY 41701 +1 (606) 439 - 1900

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Regina, 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

Regina, KY payday loan calculator

Payday loans are a popular financial solution for many people in Regina, Kentucky. These loans are a type of short-term loan that is typically used to cover unexpected expenses or to bridge the gap between paychecks. While payday loans can be a convenient option for those who need quick cash, it is essential to understand the risks and potential drawbacks before applying for one.

How payday loans work in Regina, Kentucky

In the state of Kentucky, payday loans are legal, but they can only be issued by check cashers. These loans are restricted to a maximum of $500, and the loan term cannot exceed 14 days. Lenders can charge up to $15 per $100 borrowed, which means that borrowers can expect to pay interest rates of up to 391% APR on their loans.

To apply for a payday loan in Regina, Kentucky, borrowers will need to bring with them proof of income, a valid ID, and a post-dated check or pre-authorized debit for the loan amount plus fees.

The pros and cons of payday loans

While payday loans can be a convenient way to get quick cash, they are not without their drawbacks. Some of the pros and cons of payday loans include:

  • Pros:
    • Fast and convenient: Payday loans can be approved and processed quickly, often within hours or even minutes.
    • No collateral required: Borrowers do not need to put up any collateral to secure a payday loan.
    • No credit check: Most payday lenders do not perform credit checks, making these loans an option for those with poor credit or no credit history.
  • Cons:
    • High interest rates: Payday loans can come with incredibly high interest rates, sometimes topping 500% APR.
    • Short loan terms: Payday loans typically have short repayment periods of only a few weeks, which can be difficult for some borrowers to manage.
    • Potential for debt trap: Some borrowers may end up in a cycle of debt if they are unable to repay their payday loans on time.

Interesting Facts and Statistics about Payday Loans in Regina, Kentucky

  • There are currently 575 payday loan storefronts in Kentucky.
  • The average payday loan borrower in Kentucky takes out eight loans per year.
  • Over 75% of payday loan borrowers in Kentucky are unable to repay their loans within the initial loan term.

Apply Now

If you need quick cash and are considering a payday loan in Regina, Kentucky, TheGuaranteedLoans can help. We are a connector service that will facilitate your connection with potential lenders. Simply fill out our online application form, and we will match you with lenders who may be able to meet your needs. Please note that we are not a direct lender, and we do not make lending decisions. However, we work with a network of reputable lenders who are dedicated to providing fair and responsible lending services.

It is essential to note that payday loans should only be used as a last resort, and borrowers should always read the terms and conditions of their loans carefully before signing on the dotted line.

F.A.Q.

Can I apply for a payday loan if I am on active military duty in Regina, Kentucky?

Yes, individuals on active military duty are eligible to apply for payday loans in Regina, Kentucky. However, there are special protections in place for military members, so be sure to inform the lender if you are on active duty.

Are there any restrictions on the interest rate for payday loans in Regina, Kentucky?

Yes, the maximum interest rate for payday loans in Regina, Kentucky is 390% APR.