Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Richmond, KY
23 branches of 15 FDIC-insured banks operate in Richmond. Data: FDIC BankFind, as of June 30, 2026. There are also 4 payday, installment and title loan stores of 4 chains in Richmond — about 5.8 bank branches for every loan store.
- Bank branches
- 23
- Payday & loan stores
- 4
- Banks
- 15
- Loan store chains
- 4
- Bank branches per 100k
- 35.4
- Loan stores per 100k
- 6.2
Payday and installment loan stores in Richmond
Addresses and phone numbers of storefront lenders in Richmond. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 116 Meridian Way Ste 3 Richmond, KY 40475 | (859) 353-6400 | — | 4.8 |
| 118 Meridian Way Ste 3 Richmond, KY 40475 | (859) 661-4783 | — | 4.5 |
| 2073 Lantern Ridge Dr Ste 200 Richmond, KY 40475 | (859) 625-0770 | — | 4.9 |
| 843 Eastern Bypass B Richmond, KY 40475 | (859) 623-5924 | — | 3.7 |
Bank branches in Richmond
| Address | Branch | Type |
|---|---|---|
| 1000 Brandy Ln Richmond, KY 40475 | Brandy Lane Branch | Full service |
| 1157 Berea Rd Richmond, KY 40475 | Richmond Branch | Full service |
| 460 Eastern By-Pass Richmond, KY 40475 | Eastern By-Pass Branch | Full service |
| 1996 Spring House Ln Richmond, KY 40475 | Spring House Branch | Full service |
| 350 W Main St Richmond, KY 40475 | Richmond Branch | Full service |
| 457 E Main St Richmond, KY 40475 | Citizens Guaranty Bank Main office | Full service |
| 2066 Merchant Dr Richmond, KY 40475 | Merchant Drive Branch | Full service |
| 128 W Main St Richmond, KY 40475 | Richmond Branch | Full service |
| 860 Eastern Byp Richmond, KY 40475 | Richmond Eastern Bypass Branch | Full service |
| 2110 Lexington Rd Richmond, KY 40475 | North Richmond | Full service |
| 505 Leighway Dr Richmond, KY 40475 | Richmond By-Pass Branch | Full service |
| 894 Richmond Plz Richmond, KY 40475 | Richmond Branch | Full service |
| 894 Richmond Plz Richmond, KY 40475 | Madison Courier Service Branch | Limited service |
| 2037 Merrick Dr Richmond, KY 40475 | Merrick Branch | Full service |
| 660 University Shopping Ctr Richmond, KY 40475 | Richmond University Branch | Full service |
| 360 Eastern Byp Richmond, KY 40475 | Eastern Bypass Branch | Full service |
| 800 Eastern Byp Richmond, KY 40475 | Richmond Mall Branch | Full service |
| 2140 Lantern Ridge Dr Richmond, KY 40475 | Richmond - Main Branch | Full service |
| 405 Leighway Dr Richmond, KY 40475 | Eastern By Pass Branch | Full service |
| 520 Eastern Byp Richmond, KY 40475 | Bypass - Richmond | Full service |
| 2008 Merchant Dr Richmond, KY 40475 | Richmond Branch | Full service |
| 275 E Main St Richmond, KY 40475 | Richmond Branch | Full service |
| 200 E Main St Richmond, KY 40475 | Richmond Branch | Full service |
More about Richmond
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.