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Current Payday Lenders in Kentucky – Terms, Rates, Legislation

If you’re short of cash, a payday loan may be a great option. It can borrow money for an unexpected expense — and if you can repay it on time, you won’t face extra fees or charges. Below you will find an explanation of how the Kentucky payday loan laws work.

The list of payday loan lenders in Kentucky


Pheabs is a popular loan connection service that offers a quick and easy online application form and fast access to licensed, direct lenders across the USA that offer loans up to $35,000.

  • Website:
  • Phone number: 1-855-884-6510
  • Address: 515 E Las Olas Boulevard Suite 120. Fort Lauderdale FL 33301
  • Email:

Dime Alley

Dime Alley is an online loan referral service that can offer short-term, small-dollar payday loans within 1 hour, as soon as the same day or next working day.

  • Website:
  • Phone number: 1-855-884-6510
  • Address: 7072 Cedarwood Dr. Los Angeles, CA 90006, United States
  • Email:

RISE Credit

RISE Credit offers speedy, online cash options for short-term financial emergencies and more. The lender advertoses instant online approval process and low rates. With RISE Credit, you can borrow up to $5,000. Their loans are designed for borrowers with bad credit.

  • Address: P.O. Box 679900, Dallas, TX 75267-990
  • Phone: (866)-580-1226
  • Website:

Check Into Cash

Check Into Cash is a well-known direct lender, providing people with affordable, short term, small dollar loans. The lender has over 1,100 stores in 30 states. The lender was founded in 1993.

  • Phone: (423) 479-2400
  • Address: 201 Keith Street Southwest Suite 80 Cleveland, TN 37311 USA
  • Website:
  • Email:

Dollar Hand

Dollar Hand offers an effective way to borrow money fast, whether it is for emergencies or any other purchase. If you need to borrow $300, $500, $1,000 or more, the company offers an easy online application process, so you can get an instant approval and have the funds in your bank account within 60 minutes or the same day of applying.

  • Address: Suite A, Indianapolis, IN 46227
  • Phone: +1 317-882-2000, 7799 U.S. 31 S
  • Website:

Open Cash Advance

Open Cash Advance was founded in 2015. This company connects people to a licensed lender and helps get payday loans and investment loans.

  • Website:
  • Phone number: 1 (844) 675-7424
  • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801
  • Email:

Payday Champion

Payday Champion is a popular online lender that has been offering installment and payday loans since 2011. Their loans help people with poor credit scores who face money difficulties.

  • Tel: +1 800-456-3496
  • Email:
  • Address: 412 Main St. #420. Houston, TX 77002
  • Website:


AdvanceSOS is an online loan matching service that helps people find reliable and licensed payday lenders across the USA. It offers online cash advance loans with instant funding from a direct lender with guaranteed instant decision. The lender was founded by Nick Wilson, an experienced well-known loan officer.

  • Address: OK 812 E Central Ave, Miami, OK 74354
  • Phone: +1 (918) 544-52-99
  • Email:
  • Website:

Advance America

Advance America is a large lender that offers loans online and in store at more than 1,400 physical locations across the USA.

  • Phone: (800) 937-3437
  • Address: 1029 N Academy Blvd, Colorado Springs, CO 80909, United States
  • Email:
  • Website:


MayBeLoan is a recognized online platform that aims to provide a large amount of financial offers.

  • Website:
  • Address: 901 Travis St, Houston, TX, USA
  • Email:


LendNation is a company that offers financial service and credit solutions to borrowers in over 250 locations across the USA. You can get the funds you need fast, easy and all in one place.

  • Address: 7925 State Ave Suites 106 & 107, Kansas City, KS 66112, United States
  • Phone: +1 913-788-4900
  • Website:


MoneyLion is a finance app that offers multiple financial products and services. It offers a membership program that includes online banking services, cash back rewards, interest-free cash advances, managed investing, credit-builder loans, financial tracking and education, etc. The company was founded in 2013. It is headquartered in New York City and has 6+ million users. The lender has achieved multiple awards of recognition.

  • Address 30 West 21st Street Ninth Floor New York, NY 10010 USA
  • Phone number 1-888-704-6970
  • Email
  • Website


Green Day Online has a 15- year experience in providing various loan types to Americans. With quick and easy payday loans, you can access money online.

  • Tel: (800) 424-2789
  • Email:
  • Address: 5050 Quorum Drive Dallas, Texas 75254 18851 NE 29th Avenue Aventura, FL 33180
  • Website:

1F Cash Advance

1FirstCashAdvance is a loan connection service that allows clients to borrow cash they need and help them overcome short-term financial emergencies. The company offers payday loans, personal loans, installment loans from licensed, direct lenders.

  • Address 1942 Broadway St., STE 314C, Boulder, CO 80302
  • Phone number 1-(888)-847-2909
  • Email
  • Website


Cashland is one of the leading lenders in the Midwest, with over 150 locations throughout Ohio, Kentucky, Michigan and Indiana.

  • Phone number: 1-646-980-4533
  • Email:
  • Website:


MoneyZap is a safe and secure way to borrow money online. The company works only with trusted and licensed direct lenders. You could be approved in a few seconds.

  • Phone: (601) 207-9833
  • Address: 2891 Terry Rd, Jackson, MS 39212, USA
  • Email:
  • Website:

Instant Loans USA

Instant Loans USA is a loan connection service that matches people to over 300 direct lenders that are ready to lend you up to $35,000 within 24 hours without any waiting, paperwork, faxing, collateral, guarantor, etc. The company offer consumers get the funds they need today without damage to their credit score.

  • Address 1125 E Broadway, #545 Glendale, CA 91205
  • Phone number (888) 775-0859
  • Website

Are payday loans are legal in Kentucky?

Yes. Payday lending is legal in the state of Kentucky KY. They are governed by Stat. Ann. 286.9-010 et seq. Such loans are also known as “deferred deposit transactions” and all lenders must have a license to issue loans in the state.

The Kentucky payday loan laws are transparent about the fees that lenders can collect.

Loan terms, debt limits, and collection limits in Kentucky

  • Payday loan status: Legal
  • Maximum loan amount: $500
  • Loan tenure: Should 14-60 days
  • Fees and finance charges: $15 per each $100 you borrow + $1 database fee
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%
  • Maximum number of outstanding loans at a time: 2
  • Rollovers: Not allowed
  • Cooling-off phase: None
  • Collection fees: 1 NSF fee (in case disclosed)
  • Criminal procedures: Not allowed

Qualification criteria for payday loans in KY

Obtaining a payday loan is easy; however, you must meet the following requirements:

  1. Provide a valid identification such as state ID or driving license;
  2. Have a stable income;
  3. Have a valid, personal checking account;
  4. Be a US citizen or permanent resident;
  5. Be 18 years or older.

Payday loan amount in Kentucky

  • You can take no more than 2 payday loans simultaneously from one company every 14 days.
  • The maximum payday loan amount is $500.

Payday loan fees in Kentucky

  • Finance fees: $15 for every $100 loaned and a $1 database fee
  • Finance charge: A 2-week $100 loan has a charge of $17.65
  • Collection fees: 1 non-sufficient funds (NSF) fee; must be disclosed in contract

If you have doubts that you’ll be able to repay a payday loan by the due date, don’t take one out. Instead, consider some of your local options that can help you pay your bills, for example, government programs.

The maximum term for a payday loan in Kentucky

  • The maximum term for a payday loan in Kentucky is 60 days.
  • The state does not allow rollovers (extensions) and therefore you are obliged to repay all the loans in time.
  • There is no cooling-off period between loans – you can take out a new loan only after you have repaid the previous ones.

Where you can get a payday loan in Kentucky?

You can get a payday loan all across the state, including the following cities and towns:

  • Alexandria
  • Ashland
  • Bardstown
  • Berea
  • Bowling Green
  • Burlington
  • Campbellsville
  • Corbin
  • Covington
  • Danville
  • Edgewood
  • Elizabethtown
  • Elsmere
  • Erlanger
  • Florence
  • Fort Campbell North
  • Fort Knox
  • Fort Mitchell
  • Fort Thomas
  • Francisville
  • Frankfort
  • Franklin
  • Georgetown
  • Glasgow
  • Harrodsburg
  • Henderson
  • Hillview
  • Hopkinsville
  • Independence
  • Jeffersontown
  • La Grange
  • Lawrenceburg
  • Lexington-Fayette
  • Louisville
  • Lyndon
  • Madisonville
  • Mayfield
  • Maysville
  • Middlesborough
  • Middletown
  • Mount Sterling
  • Mount Washington
  • Murray
  • Newport
  • Nicholasville
  • Oak Grove
  • Oakbrook
  • Owensboro
  • Paducah
  • Paris
  • Radcliff
  • Richmond
  • Shelbyville
  • Shepherdsville
  • Shively
  • Somerset
  • St. Matthews
  • Union
  • Versailles
  • Winchester

What should I consider before getting a payday poan in Kentucky?

You should first make sure that you meet the borrower requirements (mentioned above) before you apply for a loan. Assess your fiinancial situation so that you can afford to pay off the loan on time.

If you are unable to payback your Kentucky payday loan, a lender may charge additional interest. Not paying off your loan on time may also hurt your credit score. Think about how much money you really need to borrow before you start the application process.

Consumer information

  • Regulator: Kentucky Department of Financial Institutions
  • Address: 500 Mero Street, Frankfort, KY 40601
  • Phone: 502-573-3390
  • Email:
  • Website: