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Compare payday loans in Frankfort, Kentucky

Explore state regulations to make sure your lender's working legally.


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Editor's choice: Fast5kLoans Short-term Loans Connection Service

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  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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If you have bad credit and need some extra cash to make it to your next payday, a payday loan may be able to help. Before you get started, go over Kentucky’s regulations to make sure your lender is working legally.

How are payday loans regulated in Frankfort, Kentucky?

Payday lending is legal in Kentucky under Revised Statutes 286.9.010 et seq. Frankfort doesn’t have any specific ordinances that further regulate loans, so you’ll only have to know Kentucky’s payday loan regulations when you want to borrow.

You can borrow up to $500, and terms last between 14 to 60 days. When possible, attempt to negotiate a longer term with your lender so you have more time to pay back what you owe.

The maximum financing fee you can be charged is $15 per every $100 you borrow. This means a $500 would end up costing you $576 — after you add on the $1 database fee.

Kentucky law doesn’t allow for rollovers or refinancing, so be sure you can repay your loan amount before you borrow to avoid collection fees and extra debt.

Compare payday loan providers available in Frankfort

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
 Check Into Cash Installment Loans
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California
Borrow money with lower payments and more time to pay than a traditional payday loan.
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
CashUSA Installment Loans
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Jora Installment Loans
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.

Compare up to 4 providers

How do I apply for a payday loan?

The exact process will depend on if you choose to shop online or visit a storefront location. For online applications, follow these steps:

  1. Compare payday lenders and click Go to Site when you’re ready to apply.
  2. Fill out the application with personal details like your name, date of birth and Social Security number.
  3. Provide documents to prove your income and employment status.
  4. Provide your bank account information.
  5. Submit the application and wait for an approval notification.

If you choose to apply in person, you’ll have to bring proof of your identity and income with you.

Payday loan stores in Frankfort, Kentucky

Where to find a payday lender in Frankfort

  • Advance America. 502 Eastwood Shopping Center, Frankfort, KY 40601
  • Check ‘n Go. 315 Leonardwood Dr #4, Frankfort, KY 40601
  • Check Exchange. 1134 Old US Highway 127 Road # C, Frankfort, KY 40601
  • Check into Cash. 120-A Brighton Park Blvd, Frankfort, KY 40601
  • Eagle Finance. 104 Northgate Drive #2, Frankfort, KY 40601
  • Fast Payday Loans. 1230 US-127 #1, Frankfort, KY 40601
  • Personal Finance Company. 949 Louisville Rd # D, Frankfort, KY 40601
  • Quik Cash. 934 Louisville Rd Suite D, Frankfort, KY 40601
  • World Finance. 1100 Old US Highway 127 Rd, Frankfort, KY 40601

Bottom line

Payday loans may be available in Frankfort, but make sure you understand Kentucky’s regulations before borrowing. And to avoid getting caught in a cycle of debt, you may want to consider one of these payday loan alternatives first.

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