Get a Loan Fast!
How much do you need?
  • Your data is safe and secure
  • Zero up front fees or costs
  • Quick, secure and hassle-free online form
  • Paid directly to your bank account fast

AdvanceSOS Provides Best Online Payday Loans in Kentucky (KY) and Louisville, Get Approved in 2 Minutes, Receive Funds Today

Payday Loans in Kentucky

Same payday loans are the perfect solution to get the money you need in a quick, safe, and convenient way. In Kentucky, you can get short-terms loans of up to $500 to cover your costs for medical bills, car repairs, house renovations, or any other unexpected expenses. Whether you’re in Louisville, Lexington, Bowling Green, Paducah, Florence, Covington, Henderson or anywhere in KY, you can find the right loan until payday for you with AdvanceSOS.

Thanks to AdvanceSOS, you can get cash fast so long as you have internet access. You simply have to fill out a request form, wait a few hours for the approval, sign the digital agreement with the lender with the best offer, and you will have the amount you requested in your bank account the next day. Since it is a single-payment, short-term loan, it has to be repaid by the next time you receive the wage.

Contents show

Can You Get an Online Payday Loan in Kentucky?

Yes, according to the National Conference of State Legislatures (NCSL), payday loans in KY are legal for a maximum loan amount of $500. The law also clearly states that a licensee cannot have more than two deposit transactions from any consumer at any time. Moreover, the maximum loan term is 60 days, after which the borrower incurs severe penalties.

If you find yourself in a financial bind, payday loans through AdvanceSOS is the best solution for extra cash.

Can You Have More Than One Payday Loan in Kentucky?

Kentucky’s state legislation allows borrowers to have a maximum of two simultaneous loans, for a maximum total amount of all payday loans of $500. Therefore, applying for a third loan active loan or requesting an amount that totals above the $500 limit will be denied.

What Are the Rates and Terms?

The interest rate is how much the lender charges the borrower as a fee for loaning them money. It is a percentage of the total amount lended. In Kentucky, the laws prohibit lenders charging service fees that exceed $15 per $100 on the amount agreed upon. The annual percentage rate (APR) for a $300 payday loan is 460%.

Updated: Jun 1, 2023

Frequently Asked Questions

Are Rollovers Allowed in KY?

Rollovers are not allowed in Kentucky, so all loans must be repaid in time. Rollovers, or renewals, are an option to delay the loan payment by paying a fee without reducing the amount owed. However, such an option is strictly prohibited in the state, as loans are allowed to be given for no more than two months without delay.

Does AdvanceSOS Charge Any Fee?

AdvanceSOS doesn’t charge any money to our customers the service is totally free. We can find the best loan offers in Kentucky, Indiana, and Alabama. The system works as an intermediary between borrowers and the best potential lenders for them, and it is 100% free in order for every customer to get the best deal. You will only have to pay the interest rates accorded in the loan agreement.

What Are the Requirements to Get a Payday Loan in Kentucky?

There are five main criteria you need to satisfy in order to be eligible for a guaranteed payday loan in KY:
1. Be 18 years old or older
2. Hold U.S. citizenship or be legal resident
3. Receive an average monthly income of at least $1,500 after-tax
4. Hold a valid checking account in your own name
5. Have an active phone number and email address

When Do I Need to Repay the Money?

Given that payday loans are short-term loans and as the name suggests repayment must be done as soon as you receive the next paycheck. That is, loans should be paid back in about two to four weeks.
If you repay the loan earlier than agreed, you can save up money on interest; however, you could incur in penalties, precisely because the lender would lose money. Another possibility is to opt for long-term loans (e.g., installment loans), which are paid in monthly payments for a few months up to a few years.

How Soon Can I Receive Funds With a Payday Loan in KY?

Funds will be available the following day after you and the lender sign the digital agreement. The process is extremely quick, as the application will take you just a few minutes, and the approval a couple of hours. After that, simply sign an official agreement with your lender, and  you will receive the money the next business day.

Will Submitting a Form Affect My Credit Score?

Submitting a loan request form won’t affect your credit score at all. If you do it through AdvanceSOS, applying for a payday loan won’t leave any traces on your credit history. Therefore, you can rest assured your future loan approvals won’t be affected by loan applications submitted through our service.

How to Apply for a Payday Loan in Kentucky?

1. Make sure you comply with the basic criteria for eligibility listed above.
2. Access and click “Get Started”.
3. Fill out the quick loan request form. Among the details and information you need to enter, specify the amount of money you need to borrow and the anticipated repayment date.
4. Once you submit the form, wait a few hours for the approval.
5. After receiving the loan approval, carefully read all the terms and conditions and sign the contract between you and the lender.
6. You will receive your money within the next business day.

What Are the Benefits of Payday Loans in Kentucky?

1. Cash arrives quickly. Direct lenders in Ky won’t make you wait for the money for days, like traditional lenders would.
2. You are free to spend the amount borrowed on anything. There are no restraints in how you use the cash, as long as you comply with the repayment plan.
3. No credit check poor credit is accepted. Lenders won’t run hard credit checks on you, meaning that your credit score won’t be affected.
4. It is easy to obtain a payday loan with AdvanceSOS. Within a day you could receive your cash.

Can I Apply For Multiple Loans in KY State?

Kentucky residents can have a maximum of two loans simultaneously. In total, which refers to one or two loans, the maximum amount you are allowed to borrow in the state is $500.
As a general advice, we suggest you don’t take a new loan before repaying the first one. A direct lender could be a bit skeptical of your ability to repay both simultaneous loans, possibly affecting your approval odds.

Can I Get a Payday Loan With a Bad Credit Score?

Poor credit score doesn’t matter because payday loans are short-term and don’t require a hard credit check, only a soft check. This means that the lender won’t go through your credit history, making payday loans are perfect for those who have a bad credit history.

Can I Get a Payday Loan With No Credit Check?

When applying for cash advances through fast payday loans, direct lenders only run soft credit checks you don’t need to worry about hard credit inquiries with AdvanceSOS. They will not review your credit history or judge your credit score, and will only take simple measures to ensure you qualify, such as checking your employment, banking, personal, and contact details. 

Can I Get Same-Day Payday Loans?

Usually, payday loans are cash advance online with same-day deposit, so you get the money very quickly, with no complex checks with credit bureaus that affect your credit score. They are also unsecured, small-dollar cash payday loans, meaning they don’t require a collateral.

How To Increase the Chances of Getting Kentucky Payday Loans

1. Apply early. AdvanceSOS’ offices process loan applications on weekdays until 6 PM CST, and on weekends until 2 PM. The best you can do is to apply during the week before lunchtime because most banks are unavailable for wire transfers on weekends.
2. Submit a perfect application. This doesn’t mean having a perfect credit score, but simply submitting an error-free and accurate form.
3. Follow all the requirements.
4. Have open communication with your payday lenders.

What Documents Are Needed for Payday Loans?

To obtain payday loans online, these are the documents you must submit:
– Social Security Number
– Government-issued ID
– Proof of steady income and employment
– Active bank account details

When Should I Apply for a Kentucky Payday Loan?

You should apply for fast payday loans when you are in need of emergency cash. For example, you can use a payday loan for rent, utility bills, medical bills, car repairs, monthly car lease, home renovations, and so on. As you can see, there are endless reasons for taking out a quick, short-term payday loan.

What Kinds of Payday Loans Are There?

Here are some terms related to cash advance types and payday loan alternatives to orient you better in the financial field:
– Cash loans are all types of loans in which the loan service provider lends money to a borrower. The loan amount depends on the state and of the type of contract.
– Personal loans are those for which the borrower repays the lender according to a monthly plan. It is the opposite of payday loans, which have to be repaid within the next paycheck.
– Online loans are all those for which a borrower has to apply through an online form.
– When it comes to title loans, you commit some asset of yours, such as a car or your house.
– If you fail to repay the loan in time, the collateral you committed can be taken away from you by the lender.
– If the amount of cash requested is small, such as $500, then you are applying for small dollar loans.

What Are The Current Regulations for Payday Loans in Kentucky?

Law status legal
MIN Loan Amount $100
MAX Loan Amount $500
MIN. Loan Term 7 days
MAX. Loan Term 30 days
MAX APR 459%
Additional fees 1$ database fee
NSF fee Only one for every defaulted loan
Collateral or guarantor None, unsecured
Number of simultaneous loans 2
Cooling off period None
Rollover Not allowed
Extension, repayment plan Not allowed
Default penalties Criminal actions are prohibited
Credit score requirements Available for Bad Credit
*Information based on our private research and provide average numbers in the state

Where Can We Help You Get a Payday Loan in Kentucky?

AdvanceSOS offers quickly help you find the best payday loans offers in cities like Louisville, Lexington, Bowling Green, Paducah, Florence, Covington and Henderson.



Bowling Green

Other cities

Aberdeen Adairville Adams Adolphus
Ages Brookside Albany Alexandria Allen
Allensville Almo Alpha Alvaton
Annville Argillite Arjay Arlington
Artemus Ary Ashcamp Asher
Ashland Athol Auburn Augusta
Austin Auxier Avawam Bagdad
Bandana Banner Barbourville Bardstown
Bardwell Barlow Baskett Battletown
Baxter Bays Bear Branch Beattyville
Beaumont Beauty Beaver Beaver Dam
Bedford Bee Spring Beech Creek Beech Grove
Beechmont Belcher Belfry Bellevue
Belton Benham Benton Berea
Berry Bethany Bethelridge Bethlehem
Betsy Layne Beverly Bevinsville Big Clifty
Big Creek Big Laurel Bighill Bimble
Blackey Blackford Blaine Bledsoe
Bloomfield Blue River Boaz Bonnieville
Bonnyman Booneville Boons Camp Boston
Bowling Green Bradfordsville Brandenburg Breeding
Bremen Brodhead Bronston Brooks
Brooksville Browder Brownsville Bryants Store
Bryantsville Buckhorn Buckner Buffalo
Bulan Burdine Burgin Burkesville
Burlington Burna Burnside Bush
Busy Butler Bypro Cadiz
Calhoun California Calvert City Calvin
Campbellsburg Campbellsville Campton Canada
Cane Valley Caneyville Canmer Cannel City
Cannon Carlisle Carrie Carrollton
Carter Catlettsburg Cave City Cawood
Cecilia Center Centertown Central City
Cerulean Chaplin Chappell Chavies
Clarkson Clay Clay City Clayhole
Clearfield Cleaton Clermont Clifty
Clinton Closplint Cloverport Coalgood
Coldiron Columbia Columbus Combs
Corbin Corinth Cornettsville Corydon
Covington Coxs Creek Crab Orchard Cranks
Crayne Crestwood Crittenden Crockett
Crofton Cromona Cromwell Cub Run
Cumberland Cunningham Curdsville Custer
Cynthiana Dana Danville David
Dawson Springs Dayhoit Dayton De Mossville
Deane Debord Delphia Dema
Denniston Denton Dewitt Dexter
Dice Dixon Dorton Dover
Drake Drakesboro Drift Dry Ridge
Dubre Dunbar Dundee Dunmor
Dunnville Dwale Dwarf Dycusburg
Earlington East Bernstadt East Point Eastern
Eastview Eastwood Eddyville Edmonton
Eighty Eight Ekron Elizabethtown Elizaville
Elk Horn Elkfork Elkhorn City Elkton
Elliottville Emerson Eminence Emlyn
Emmalena Eolia Eriline Erlanger
Ermine Essie Etoile Eubank
Evarts Ewing Ezel Fairdale
Fairfield Fairview Falcon Fall Rock
Falls of Rough Falmouth Fancy Farm Farmers
Farmington Fedscreek Ferguson Finchville
Fisherville Fisty Flat Lick Flatgap
Flatwoods Flemingsburg Florence Fords Branch
Fordsville Forest Hills Fort Campbell Fort Knox
Fort Thomas Foster Fountain Run Fourmile
Frakes Frankfort Franklin Fredonia
Freeburn Frenchburg Ft Mitchell Fulton
Gamaliel Gapville Garfield Garner
Garrard Garrett Garrison Gays Creek
Georgetown Germantown Ghent Gilbertsville
Girdler Glasgow Glencoe Glendale
Glens Fork Glenview Goose Rock Gordon
Goshen Gracey Gradyville Graham
Grahn Grand Rivers Gravel Switch Gray
Gray Hawk Grays Knob Grayson Green Road
Greensburg Greenup Greenville Grethel
Gulston Gunlock Guston Guthrie
Hagerhill Hallie Hampton Hanson
Happy Hardburly Hardin Hardinsburg
Hardy Hardyville Harlan Harned
Harold Harrods Creek Harrodsburg Hartford
Hawesville Hazard Hazel Hazel Green
Hebron Heidelberg Heidrick Hellier
Helton Henderson Herndon Hestand
Hi Hat Hickman Hickory Hillsboro
Hillview Hima Hindman Hinkle
Hiseville Hitchins Hodgenville Holland
Holmes Mill Hope Hopkinsville Horse Branch
Horse Cave Hoskinston Huddy Hudson
Hueysville Hulen Hustonville Hyden
Independence Inez Ingram Irvine
Irvington Island Island City Isom
Isonville Ivel Jackhorn Jackson
Jamestown Jeff Jeffersonville Jenkins
Jeremiah Jetson Jonancy Jonesville
Junction City Keaton Keavy Keene
Kenton Kenvir Kettle Island Kevil
Kimper Kings Mountain Kirksey Kite
Knifley Knob Lick Krypton Kuttawa
La Center La Fayette La Grange Lackey
Lancaster Langley Latonia Lawrenceburg
Lebanon Lebanon Junction Leburn Ledbetter
Leitchfield Lejunior Letcher Lewisburg
Lewisport Lexington Liberty Lick Creek
Lily Linefork Littcarr Livermore
Livingston Lockport London Lone
Lookout Loretto Lost Creek Louisa
Louisville Lovelaceville Lovely Lowes
Lowmansville Loyall Lucas Lynch
Lynnville Maceo Mackville Madisonville
Magnolia Majestic Mallie Malone
Mammoth Cave Manchester Manitou Mannsville
Maple Mount Marion Marrowbone Marshes Siding
Martha Martin Mary Alice Mason
Masonic Home Mayfield Mayking Mayslick
Maysville Mazie Mc Andrews Mc Carr
Mc Daniels Mc Dowell Mc Henry Mc Kee
Mc Kinney Mc Quady Mc Roberts Meally
Means Melber Melbourne Melvin
Middleburg Middlesboro Midway Milburn
Milford Millersburg Millstone Millwood
Milton Minerva Minnie Miracle
Mistletoe Mitchellsburg Mize Monticello
Moorefield Morehead Morganfield Morgantown
Morning View Mortons Gap Mount Eden Mount Hermon
Mount Olivet Mount Sherman Mount Sterling Mount Vernon
Mount Washington Mousie Mouthcard Mozelle
Muldraugh Munfordville Murray Muses Mills
Myra Nancy Nazareth Nebo
Neon Nerinx Nevisdale New Castle
New Concord New Haven New Hope New Liberty
Newport Nicholasville North Middletown Nortonville
Oak Grove Oakland Oil Springs Olaton
Olive Hill Olmstead Olympia Oneida
Ophir Orlando Owensboro Owenton
Owingsville Paducah Paint Lick Paintsville
Paris Park City Parkers Lake Parksville
Partridge Pathfork Payneville Pellville
Pembroke Pendleton Perry Park Perryville
Petersburg Pewee Valley Phelps Philpot
Phyllis Pikeville Pilgrim Pine Knot
Pine Ridge Pine Top Pineville Pinsonfork
Pippa Passes Pittsburg Pleasureville Plummers Landing
Poole Port Royal Powderly Premium
Preston Prestonsburg Primrose Princeton
Printer Prospect Providence Putney
Quincy Raccoon Radcliff Ransom
Raven Ravenna Raywick Redfox
Reed Regina Renfro Valley Revelo
Reynolds Station Rhodelia Ricetown Richmond
Rineyville River Roark Robards
Robinson Creek Rochester Rockfield Rockholds
Rockhouse Rockport Rocky Hill Rogers
Rosine Roundhill Rousseau Rowdy
Roxana Royalton Rumsey Rush
Russell Russell Springs Russellville Sacramento
Sadieville Saint Catharine Saint Charles Saint Francis
Saint Helens Saint Mary Salem Salt Lick
Salvisa Salyersville Sanders Sandgap
Sandy Hook Sassafras Saul Scalf
Science Hill Scottsville Scuddy Sebree
Seco Sedalia Sextons Creek Sharon Grove
Sharpsburg Shelbiana Shelby Gap Shelbyville
Shepherdsville Sidney Siler Silver Grove
Simpsonville Sitka Sizerock Slade
Slaughters Slemp Smilax Smith Mills
Smithfield Smithland Smiths Grove Soldier
Somerset Sonora South Carrollton South Portsmouth
South Shore South Union South Williamson Sparta
Spottsville Springfield Staffordsville Stambaugh
Stamping Ground Stanford Stanley Stanton
Stanville Stearns Steele Stephensport
Stinnett Stone Stoney Fork Stopover
Strunk Sturgis Sullivan Sulphur
Summer Shade Summersville Sweeden Symsonia
Tateville Taylorsville Teaberry Thelma
Thornton Thousandsticks Tiline Tollesboro
Tolu Tomahawk Tompkinsville Topmost
Totz Tram Trenton Trosper
Turners Station Tutor Key Tyner Ulysses
Union Union Star Uniontown Upton
Utica Van Lear Vanceburg Vancleve
Varney Verona Versailles Vest
Vicco Vincent Vine Grove Viper
Virgie Waco Waddy Walker
Wallingford Wallins Creek Walton Waneta
Warbranch Warfield Warsaw Washington
Water Valley Waverly Wayland Waynesburg
Webbville Webster Weeksbury Welchs Creek
Wellington Wendover West Liberty West Louisville
West Paducah West Point West Somerset West Van Lear
Westport Westview Wheatcroft Wheelwright
Whick White Mills White Plains Whitesburg
Whitesville Whitley City Wickliffe Wildie
Willard Williamsburg Williamsport Williamstown
Willisburg Wilmore Winchester Windsor
Wingo Winston Wittensville Woodbine
Woodburn Woodbury Woollum Wooton
Worthington Worthville Wrigley Yeaddiss
Yerkes Yosemite Zoe

Get a Loan Quickly!

I read and agree to Terms, Rates, Privacy Policy, before submitting a loan request.

    Ask an expert