Finger Finance is here to help you find the best payday loans in Kentucky, whether you are based in Louisville, Lexington or Owensboro. You can borrow $100 to $35,000 repaid over 1 to 60 months, get an instant decision and funded within the same day of applying. We consider all credit scores too.
Apply for the Best Kentucky Online Payday Loans with Finger Finance
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*
How to Apply for a Payday Loan in Kentucky With Finger Finance
Step 1 - Apply Online
We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.
Step 2 - Await a Decision
We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.
Step 3 - Receive Money Today!
We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.
How Does Finger Finance Offer Loans in Kentucky?
Finding the Right Lender for You
Finger Finance only works with lenders in Kentucky that can be trusted. This means that we know they are lending responsibly. Every time you put in an application we analyze our panel of lenders and find the right loan for you.
Soft Credit Checks
All Finger Finance loans are soft search, meaning that we will look at your background on the basis of your credit record. We will never leave any visible footprint on your credit report through our search.
Finger Finance is a broker, not a direct lender, meaning that we can help to find you the most affordable loan available in Kentucky even if you have an imperfect credit history.
Are There Any Regulations for Payday Loans in Kentucky?
|Are Payday Loans Legal?||Yes|
|Minimum Loan Amount||Not specified|
|Maximum Loan Amount||$500|
|Minimum Loan Term||Not specified|
|Maximum Loan Term||60 days|
|No. of Rollovers Allowed||0|
|Finance Charges||$15 per $100|
|Interest Rate (APR)||460%|
|Statue of Limitations||10 years (from the last payment)|
Am I Eligible for a Payday Loan in Kentucky?
In order to be eligible to receive a payday loan from Finger Finance in Kentucky, you must meet the following criteria:
- Be at least 18 years of age or older
- Be a U.S. resident
- Have a checking account
- Have a consistent income and be earning at least $800 per month
Why is the APR so High for Payday Loans in Kentucky?
The APR for payday loans is high across all states, including Kentucky. This is because payday loans operate on a short-term basis and are considered by lenders to be high risk as they are typically unsecured and offered to customers with any type of credit history.
Will I Get a Payday Loan in Kentucky With a Bad Credit Score?
Yes, with Finger Finance you can get a payday loan in Kentucky if you have a bad credit score. Just make sure that you will be able to meet the repayments on time as otherwise you could further damage your score, face late fees and extra interest charges.
How Much Does a $300 Payday Loan Cost in Kentucky?
If you were to borrow $300 and then paid it back in 30 days in one installment, you will pay back a total of $430 with a maximum APR of 460%.
This is broken down into $300 from the principal amount, $115 in interest, and $15 in finance charges.
Where Can I Find Payday Loans in Kentucky?
You can apply online through Finger Finance to receive a payday loan in the following cities within Kentucky below:
Why Choose Finger Finance?
- Easy online enquiry process
- Borrow anywhere from $100 – $5,000
- Get the money in one lump sum on the day you enquire
- Get an instant decision online
- Repay early anytime to save money
- Enquiring is free and doesn’t affect your credit score
Is Finger Finance a Direct Lender or Broker?
Finger Finance is a payday loan broker, not a direct lender. This means that we will not pay you the funds directly but will instead work with our panel of lenders to get you the best possible rates in Kentucky.
How Do Repayments Work?
Your payday loan repayment plan is dependent on how long you need to borrow the loan for. For instance, if you are taking out a short-term loan between 2 to 4 weeks, you will repay your loan in one final repayment at the end of the loan. Whereas, if you have chosen a longer-term loan, which we offer up to 5 years, then you will repay your loan in equal instalments every month. You may also choose to repay early at any time with Finger Finance so that you can save money on accrued interest.
How Much Can I Borrow in Kentucky?
Payday loan amounts range from $100 to $35,000 although the maximum amount that you can borrow in Kentucky is $500.
How Quickly Can I Receive the Money?
With Finger Finance, if you are approved you could receive the money in as little as an hour on the same day of application.
What are the Upfront Fees?
Finger Finance does not charge any upfront fees. We will instead take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.