Payday Loans in Kentucky
- Get up to $500 today
- Instant approval decision
- Same-day funding options
- No hard credit check
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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If financial emergencies strain your budget, 1F Cash Advance can help you get the money you need today. Our instant payday loans in Kentucky can be used to cover unexpected bills, car repairs, or minor home improvements. Apply online through our hassle-free, paperless process, or visit our KY store and apply in minutes. Eligible borrowers may receive same-day cash.
How Do Kentucky Payday Loans Work?
1F Cash Advance makes application as quick and simple as 1-2-3:
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Fill out a form. Complete it online on the website 24/7, or visit our store if you need help requesting a loan.
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Get approved. An approval decision will be provided almost instantly due to no hard credit check involved.
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Receive the money. Approved loans are typically funded on the same* or next business day.
*Loans originated before 10:30 am on weekdays are eligible for same-day funding. Applications submitted after 10:30 am or on weekends will be processed on the next banking day.
What Do I Need to Apply?
We only ask for basic documents and information to check your loan eligibility:
- Government-issued photo ID
- Active bank account and routing numbers
- Proof of income
- Proof of Kentucky address
- Social Security number
- Valid email and phone number
Rates & Terms
Small-dollar loans in Kentucky come with a maximum amount of $500. The repayment period can be up to 60 days. The finance charge is $15 for each $100 advanced plus a $1 mandatory state database authorization fee. Rollovers are not allowed for Kentucky payday loans.
Here are representative cost examples for a 14-day payday loan:
| Amount Advanced | Finance Charge | Database Fee | Total Cost | APR |
|---|---|---|---|---|
| $100 | $15 | $1 | $116 | 417.14% |
| $300 | $45 | $1 | $346 | 399.76% |
| $500 | $75 | $1 | $576 | 396.29% |
Customer notice: Make sure your loan choice matches your financial needs. Payday loans are short-term loan products that should only be used for financial emergencies, not for everyday expenses. All transactions are subject to approval. Restrictions may apply.
Can I Get a Payday Loan with Bad Credit?
1F Cash Advance sets no minimum credit score requirements and offers loans for bad credit to Kentucky residents who face problems qualifying for traditional financing options. However, approval is subject to certain criteria. Eligibility is determined based on your income, existing debts, payment history, and employment status.
Find 1F Cash Advance in Kentucky
When you need cash quickly, visit the 1F Cash Advance Lexington store and receive the money within minutes. Our professional team will help you navigate the process with ease.
Branch name: 1F Cash Advance Kentucky
Address: 511 W Main St, Lexington, KY 40507
Phone: (859) 407-7337
Email: [email protected]
Branch Manager: Joan Wood
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
The store at 1620 Old Paris Rd #110, Lexington, KY 40505 is permanently closed.
Need a payday loan in another state? Find our nearby store in your area and plan your visit.
Payday Loan Alternatives
If a payday loan doesn’t meet your current financial goals, there are several alternatives you can consider.
Installment Loans
An installment loan from 1F Cash Advance is a loan of up to $5,000 that you can repay in a series of equal payments over up to 24 months. You can use it for your long-term needs and keep your loan payment manageable.
Credit Card Cash Advances
For urgent cash needs, withdraw money from your credit card via an ATM or an issuer’s store. You can get an amount within a certain limit without undergoing any application or verification processes. Just note that interest on a cash advance accrues immediately.
Title Loans
Title loans in Kentucky allow you to get up to 50% of your vehicle’s title by using it as collateral. The repayment needs to be made within up to 30 days. You retain your car while it’s pledged but may lose it if you default on your loan.
Credit Union Loans
Loans from credit unions often come with favorable terms and more relaxed eligibility criteria. CUs may also offer payday alternative loans with APRs capped at 28%, allowing you to borrow up to $1,000 for 2 to 6 months. Only CU members can qualify.
Cash Advance Apps
These tools can help you get a cash advance of up to $200 or $500 against your next paycheck, often with no interest charged. The repayment is made in 2 to 4 weeks. Membership fees may apply.
Why Choose 1F Cash Advance
At 1F Cash Advance, we aim to provide you with the cash you need as quickly as possible. Here’s why we are a one stop solution for all your money matters.
Secure Loan Process
We protect your data using modern security services and don't share your information with unaffiliated third parties.
No Hidden Fees
Our transparent terms allow you to make an informed loan decision. This predictability ensures you will always know what to expect before entering the deal.
Trusted by KY Residents
We support locals and build trust by offering reliable, fair, and fast financial solutions for borrowers with any credit scores.
FAQ
How can I apply for a payday loan with 1F Cash Advance?
At 1F Cash Advance, we offer both in-store and online payday loans in Kentucky. You can request one on the website 24/7 or at our Lexington location. Alternatively, you can apply over the phone by calling (859) 407-7337.
How long does it take to receive the funds?
Money is typically transferred within one business day. Borrowers who get approved and sign their loan agreements before 10:30 am on weekdays can get the funds on the same day. Otherwise, the money will be deposited the next banking day.
What happens if I miss the payment?
Missed or late payments may result in a one-time NSF fee. The exact fee amount depends on the terms of your loan agreement. If you face any problems with repayment, contact your lender before the due date to discuss your opinions.
Do payday loans affect my credit?
Our loans don't affect your credit as long as you pay on time. The underwriting process only involves reviewing your data via alternative means. Such an inquiry is not displayed on your credit report.
Can I cancel my loan after applying?
A payday loan application doesn't oblige you to accept any offers. Once you finalize your loan by signing the agreement, you may be able to cancel it within a certain period by paying back your loan principal. However, read the terms of your loan agreement first, as exceptions may apply.