The Kentucky payday loan industry is thriving with more than 650 storefront locations plus Internet websites. The reason? More and more residents of the state, as well as folks across the country, are living from paycheck to paycheck, making the smallest financial emergency an absolutely devastating event.

Cash advances and other short-term payday loans can ease the cash flow during a time when you’re waiting for your next paycheck to arrive. Let’s say that your vehicle won’t start. You find out that you need a new starter, which will cost $250. You don’t have the cash now, but you’ll have it in two weeks when you receive your next paycheck. Without your car, you have no transportation to and from work, which can result in lost wages and possibly a lost job. This is a perfect example of a positive cash advance situation.

Apply for a Kentucky Quick Cash Advance NOW >>

There’s no need for a credit check, as cash advance lenders work with your paycheck to figure out how much of a loan you qualify for (usually under $1,000, but this varies by state). Many lenders accept your personal check made out to the lender, including all applicable fees and charges, post-dated to reflect the cash advance's repayment due date.

Kentucky state law has several protections regarding the cash advance/payday loan industry, benefiting all involved parties:

Time frame of loan restricted to 14-60 days.
Fees of no more than 15% of loan amount ($15 per $100).
Rollovers (refinancing one cash advance with another) are not allowed.
Borrower can have only one loan out at a time.
Returned check fees are subject to the legal limit, but must be disclosed prior to funding.

Apply for a Kentucky Quick Cash Advance NOW >>

* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.