Online Payday Loans for Bad Credit in Kentucky

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Payday loans often called a cash advance loan, is usually a short-term loan that is meant to get repaid at the time the borrower gets their next payday. Online payday loans are becoming more popular recently, as online technological innovation has enabled potential borrowers to connect with a lender more quickly than before.

Depending on a variety of factors like credit and loan amount $100-$1000, the terms of a payday loan might vary, and a lender could provide individual loans to certain types of borrowers who match their qualifications.

Requesting a payday loan in Kentucky

Beginning the payday loan request in Kentucky process is more easy than in the past, because of the availability of online lenders. We’re not a lender, but, we work with many lenders in our lender network who might offer payday loans.

To start the request process, it’s so simple as filling out an easy online form that may take just minutes to fill out. From there, a potential lender will overview your request, and should you meet their requirements, they might connect with you quickly.

Payday loan locations in Kentucky

Requirements to get a payday loan in Kentucky

Personal credit score isn’t the only requirement that goes into a payday loan. A possible lender in Kentucky may also want to see your:

Proof of income

A lender may want to see that borrower has the means to pay back. For that reason, they could ask to see a proof of income, to point out that the borrower has a steady flow of money that can be used to pay back the loan in time. Keep in mind, when a lender is examining a possible borrower, they’re thinking about the loan in terms of risk to their business. If they think that the borrower is may be risky with payments, they might not forward with the loan. But don’t be discouraged. Even a bad credit score people might be able to get connected with a lender, as there are many lenders who do provide payday loans to people with less than excellent credit score.


A powerful type of identification, a borrower’s Social Security number is an instrument that some lenders will use to evaluate the borrower’s credentials further. It could help a lender get a fuller image of a borrower’s profile, which can be used to determine whether or not the borrower is qualified to receive a loan.

Proof of residency

You might notice a standard theme in these requirements. Payday loan lenders want to make sure that they know and understand anyone to whom they’re lending cash. It is a reasonable process since anyone lending cash would need to know the one that is borrowing it as well as possible. Proof of residency is simply another tool that lenders might want to use when evaluating a possible borrower.

Bank account

Typically, if a borrower is approved and accepts a loan from a lender, the funds will be deposited directly into the borrower’s checking account. For that reason, many lenders may require potential borrowers to have an active checking account that can receive the funds. It may also give a lender another glimpse into the financial trustworthiness of a possible borrower.


A lender may need to take multiple steps to make sure a possible borrower is who they are saying they’re. Because of this, some lenders ask for identification documents like:

  • a driver’s license
  • passport
  • state ID

Lenders may want to see these proofs because, for a lender, each loan they provide contains some form of risk for them. When they are considering whether or not to approve a certain borrower, it is often because the lender is weighing the potential risk and deciding if it suits their qualifications.

Process of getting a payday loan in Kentucky

The process of getting a payday loan is different from getting a loan from a bank or other financial institution. Banks could be less ready to work with clients who have a bad credit score. Whereas a payday-specific lender might require a possible borrower to have a bank account, in most cases, they’ve much less strict requirements than banks themselves.

For borrowers in Kentucky who need additional cash and don’t mind loan term with a relatively short repayment schedule and probably higher interest rates, payday loans could be an option to think about. However, it’s essential to keep in mind, despite the fact that there are payday lenders willing to work with poor credit borrowers, it’s nearly not possible to get a loan with no credit check.

Are you looking for other loan options?

If you want more than $3000 or a longer-term, these short-term loans may be better for your needs.

Installment loans. An installment loan is a loan that is repaid over time with a set number of scheduled payments. Each payment is known as an installment, which is why it’s called an installment loan.

Personal loans. Personal loans are a type of installment loan you can use for a variety of purposes, like rent or paying off unexpected expenses.

Cash advance loans. Cash advance loans are a short-term loan that is quickly funded to your bank account after approval. They are very similar to payday loans.

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