Payday Loans in Robards, Kentucky

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

Company nameAddressZip codePhone number
Payday USA 3102 Canton St, Hopkinsville, KY 42240
Cash Express 521 N Lake Dr, Prestonsburg, KY 41653 +1 (606) 886 - 9997
Advance America 650 S Hwy 27 Loop 3 #2, Somerset, KY 42501 +1 (606) 677 - 6632
First American Cash Advance 846 S College St, Harrodsburg, KY 40330 +1 (859) 734 - 9707
World Finance 12426 Shelbyville Rd, Louisville, KY 40243 +1 (502) 253 - 0606
Community Check Advance Inc 108 Ensminger Dr, Glasgow, KY 42141 +1 (270) 629 - 2424
World Finance Corporation 2158 Campbellsville Rd, Lebanon, KY 40033 +1 (270) 699 - 2666
Wilkerson Financial 307 Washington St, Frankfort, KY 40601 +1 (502) 352 - 2995
First Financial Bank 306 Lake St, Fulton, KY 42041 +1 (270) 472 - 3300
World Finance Corporation 109 Morningside Dr, Marion, KY 42064 +1 (270) 965 - 1981

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Robards, KY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Florence, KY, Short-term Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Payday Loans in Louisville, KY, Quick 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 Robards, KY.

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

42452

Are Payday Loans Legal In Robards, 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

Robards, KY payday loan calculator

Advise to read before applying

Understanding Payday Loans in Robards, Kentucky

Payday loans have become a popular way to get quick cash for emergencies. These short-term loans are designed to be paid back within a few weeks, usually on the borrower’s next payday. While they can be helpful in a pinch, payday loans can also come with high fees and interest rates, leading some borrowers to fall into a cycle of debt.

Legalizing Payday Loans in Kentucky

In Kentucky, payday loans are legal, but only for check cashers. This means that traditional banks and credit unions cannot offer payday loans, but check cashers can.

The legal requirements for payday loans in Kentucky include:

  • Maximum loan amount: $500
  • Loan term: 14-60 days
  • Finance charges: $15 per $100 borrowed
  • APR: 459% for a 14-day loan

It’s important to note that Kentucky law prohibits rollovers or renewals on payday loans. This means that borrowers cannot take out a new payday loan to pay off an existing one.

How Payday Loans Work in Robards, Kentucky

In Robards, Kentucky, residents can obtain a payday loan from a check casher. To obtain a payday loan, borrowers must provide government-issued identification, verifiable income, a checking account, and a post-dated check or authorization for automatic withdrawal for the amount of the loan plus fees.

It’s important to understand the fees and interest rates associated with payday loans in Robards, Kentucky. Finance charges are $15 per $100 borrowed, and the APR for a 14-day loan is 459%. This means that if you borrow $500 for 14 days, you will owe $575.

If you are unable to repay your payday loan on time, the lender may charge additional fees or take legal action to collect the debt. It’s important to always read the terms and conditions of your loan agreement carefully and make sure you can afford to repay the loan before taking it out.

The Pros and Cons of Payday Loans

Payday loans can be a helpful way to get quick cash in an emergency, but they also come with risks. Here are some pros and cons to consider before taking out a payday loan:

Pros

  • Fast and convenient way to get cash
  • No credit check required
  • Available to borrowers with bad credit

Cons

  • High fees and interest rates
  • Potential to fall into a cycle of debt
  • No protection from predatory lending practices

Interesting Facts and Statistics about Payday Loans in Robards, Kentucky

  • In Kentucky, the average payday loan amount is $328.
  • In 2020, there were 555,000 payday loans issued in Kentucky, totaling $223 million.
  • Kentucky has one of the highest payday loan usage rates in the country, with 19% of adults using a payday loan or advance during a 12-month period.

Apply Now for a Payday Loan in Robards, Kentucky

If you find yourself in need of quick cash in Robards, Kentucky, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application today to see what loan options are available to you. Remember, TheGuaranteedLoans is a connector service, not a direct lender.

F.A.Q.

Can I be sued or have my wages garnished if I default on my payday loan in Robards, Kentucky?

Yes, you can be sued or have your wages garnished if you default on your payday loan in Robards, Kentucky.

Are there any consumer protection laws for payday loans in Robards, Kentucky?

Yes, Kentucky has consumer protection laws for payday loans that regulate the terms and conditions of these loans.

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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