Lexington, Kentucky
4097 Nichols Park Dr., Ste. 116, Lexington, KY 40503
View location detailsPayday Loans and Cash Advances in Kentucky
Welcome to KY Cash Advance, home to the quick, easy, and confidential loans. We have 6 locations spreading throughout the Greater Lexington Metro Area; Berea, Irvine, Lexington, London, Richmond, and Somerset. If your finances are in a bind we are here to lend a helping hand and get you through to your next payday.
Apply Online
Read the notices shown in the application before entering personal information. Review any offered agreement before deciding.
Our Locations
Fee Chart
***Payday loans should be used for short-term financial needs, not as a long-term financial solution. Customers with credit difficulties should see credit counseling.***
FAQ
Need assistance with your tax planning? Don't hesitate to contact us! Have a question? Check our our FAQ Page for a list of commonly ask questions! We look forward to serving you for all your Cash Advance needs!
It's Easy!
A
It's Fast!
B
No Credit Required!
C
Explore Kentucky locations
Find address details and the questions to review before applying or arranging a visit.
Somerset, Kentucky
901 S. Highway 27, Somerset, KY 42503
View location detailsLondon, Kentucky
405 Dons Drive, London, KY 40741
View location detailsIrvine, Kentucky
367 Richmond Road, Irvine, KY 40336
View location detailsRichmond, Kentucky
509 Leighway Drive, Richmond, KY 40475
View location detailsBerea, Kentucky
113 Clay Drive, Berea, KY 40403
View location detailsThree steps before borrowing
Read the notices
Identify the application recipient and review privacy and consent notices before entering information.
Review what is requested
Follow the displayed checklist. An application does not guarantee an amount or a decision.
Compare the terms
Check the full cost, due date and payment instructions against your essential expenses before deciding.
Kentucky payday-loan rules and fees
Kentucky's statute sets a $600 baseline for total proceeds across open deferred-deposit transactions, with annual adjustments and an $850 ceiling. Confirm the applicable limit with DFI. Two open transactions is the maximum; a statutory limit is not an amount KY Cash Advance promises to offer.
The service-fee ceiling is $15 per $100 of the check's face amount, prorated, for a service period of at least 14 days. A transaction cannot be held longer than 60 days. Fee-based renewal, rollover or consolidation is prohibited. The current statute provides a $3 database fee that may be passed to the customer.
Check your written agreement for the amount you receive, finance charge, APR, total repayment, due date and payment instructions. APR helps compare costs across products; a fee described as a service fee still has a borrowing cost.
Sources: Kentucky statute · Kentucky database fee · Kentucky disclosures · CFPB: understanding APR
Compare other ways to cover the expense
Ask the biller whether a payment arrangement would cost less. Compare a bank or credit-union small-dollar loan, an employer advance or available community assistance. Check fees, eligibility, timing and total repayment for each option before choosing.
Sources: CFPB: comparing alternatives
Cash-advance questions to ask
What should I compare before accepting?
Compare the amount received, finance charge, APR, total repayment and due date in the written agreement.
Does an application guarantee a loan?
No. Review the provider identity, requirements and any offered terms before deciding.
Where can I find location details?
Use the six location pages for address information and preparation questions. Confirm current availability before visiting.