Payday Loans in Shelbiana, Kentucky

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

Company nameAddressZip codePhone number
Cash Express 292 Main St, Campton, KY 41301 +1 (606) 668 - 6530
Eagle Finance 3525 Frederica St, Owensboro, KY 42301 +1 (270) 993 - 8300
Fifth Third Bank & ATM 412 U.S. 27, Ridgeway Ave, Falmouth, KY 41040 +1 (859) 654 - 6914
Lendmark Financial Services LLC 282 Village Ln, Hazard, KY 41701 +1 (606) 716 - 0170
Fifth Third Bank & ATM 418 Newman Circle, Eddyville, KY 42038 +1 (270) 388 - 2277
Preston's Pawn & Sales 133 Main St, Russell Springs, KY 42642 +1 (270) 866 - 4664
Auburn Banking Co 218 W Main St, Auburn, KY 42206 +1 (270) 542 - 4185
Community Trust Bank 1005 Jamestown St, Columbia, KY 42728 +1 (270) 384 - 4771
Personal Finance Company 739 Fleming Rd, Maysville, KY 41056 +1 (606) 564 - 3993
World Finance Corporation 1380 Flemingsburg Rd, Morehead, KY 40351 +1 (606) 780 - 0384

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shelbiana, KY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Florence, KY, Same Day Loans in Georgetown, KY, Payday Loans in Hopkinsville, KY, Payday 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 Shelbiana, KY.

Beautiful sights of Shelbiana, KY

Are Payday Loans Legal In Shelbiana, 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

Shelbiana, KY payday loan calculator

Everything You Need to Know About Payday Loans in Shelbiana, Kentucky

Are you in search of quick cash to cover unexpected expenses? A payday loan may be just what you need. In Shelbiana, Kentucky, payday loans are legal for check cashers and offer a convenient way to access cash fast.

In this guide, we’ll explore everything you need to know about payday loans in Shelbiana, Kentucky, including how they work, the benefits and drawbacks, and how to apply.

What are Payday Loans?

Payday loans are short-term loans that offer borrowers a small amount of cash, typically between $100 and $1000, to be paid back with interest within a few weeks or months. These loans are designed for individuals who need quick cash for unexpected expenses, such as medical bills, car repairs, or rent.

How Do Payday Loans Work?

When you apply for a payday loan, you’ll need to provide proof of income, such as a recent paycheck stub, and a valid ID. You’ll also need to provide a post-dated check or authorize an electronic debit from your bank account for the loan amount plus interest and fees.

Once you’re approved for the loan, you’ll receive the cash or have it deposited directly into your bank account. On the due date, the lender will cash the post-dated check or debit your bank account for the loan amount plus interest and fees.

The Benefits of Payday Loans

One of the main benefits of payday loans is their quick application process, with many lenders offering same-day approval and cash disbursement. Additionally, payday loans typically don’t require a credit check, making them accessible to borrowers with poor credit or no credit history.

The Drawbacks of Payday Loans

While payday loans can provide quick cash when you need it most, they also come with significant drawbacks. First and foremost, payday loans typically carry high-interest rates and fees, often upwards of 400% annual percentage rate (APR). Additionally, if you can’t repay the loan on time, you may face additional fees and charges, as well as damage to your credit score.

How to Apply for Payday Loans in Shelbiana, Kentucky

To apply for a payday loan in Shelbiana, Kentucky, you’ll need to find a licensed check casher in your area. You can find a list of licensed check cashers on the Kentucky Department of Financial Institutions website.

Once you’ve found a lender, you can apply in-person or online. When applying, be sure to read the loan terms and conditions carefully, including interest rates and fees, to ensure that you understand the total cost of the loan.

Interesting Facts and Statistics About Payday Loans in Shelbiana, Kentucky

– In Kentucky, borrowers can take out multiple payday loans at once, with a combined total of up to $500.
– The average annual percentage rate (APR) for payday loans in Kentucky is 460%, higher than the national average of 400%.
– According to a 2019 study by Kentucky’s Center for Responsible Lending, nearly 83% of payday loans in Kentucky are made to borrowers who take out seven or more loans per year.

Apply Now with TheGuaranteedLoans

Need cash fast? Apply now with TheGuaranteedLoans. As a connector service, we’ll facilitate your connection with potential lenders who can provide the cash you need. Our online application process is quick and easy, and you can get approved in minutes.

Remember, payday loans should only be used as a last resort for unexpected expenses. Be sure to read the loan terms and conditions carefully and borrow responsibly.

F.A.Q.

Are payday loans legal in Shelbiana, Kentucky?

Yes, payday loans are legal in Shelbiana, Kentucky.

What is the maximum loan amount I can borrow in Shelbiana, Kentucky?

The maximum loan amount you can borrow in Shelbiana, Kentucky is $500.