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.
Payday loans in Louisville, Kentucky
Kentucky payday loan rules that apply in Louisville
- Max loan amount
- $500
- Min loan term
- 14 days
- Max loan term
- 60 days
- Finance charge cap
- $15 per $100 advanced
- Max absolute fee
- $75
- Typical APR
- ~391%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- 2 active loans
- Right to rescind
- Next business day
- Governing law
- Kentucky Deferred Deposit Transactions Act
- Regulator
- KY Dept of Fin. Inst.
Louisville at a glance
| Metric | Louisville | Kentucky | United States |
|---|---|---|---|
| Population | 765,842 | 4.5M | 332.3M |
| Median household income | $70,176 | $65,382 | $85,275 |
| Median rent | $1,146/mo | $943/mo | $1,432/mo |
| Income spent on rent | 30.6% | 29.3% | 31.6% |
| Homeownership | 62.1% | 68.6% | 65.4% |
| Poverty rate | 14.8% | 16.2% | 12.6% |
| Unemployment rate | 5.0% | 5.0% | 5.3% |
| Without health insurance | 5.6% | 5.9% | 8.6% |
| Veterans | 6.4% | 6.8% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Louisville
Move the sliders to see what a payday loan would cost under Kentucky rules and how it compares with local incomes.
Kentucky maximum: $500
Kentucky maximum: $15
Rollovers are not allowed in Kentucky.
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Share of a two-week household paycheck in Louisville
- 2.8%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Louisville
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.8%
- Hours of work at the local median wage
- 3.9 hours
- Rollovers
- Not allowed in Kentucky
Example based on the Kentucky maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Louisville in context
- Population rank in Kentucky
- 1st
- of 10 Kentucky cities with 50,000+ residents
- Median household income rank
- 4th
- of 10 Kentucky cities with 50,000+ residents
- Households earning under $25,000
- 17.1%
- ▼ 2.7 pts vs KY
- Median home value
- $236,909
- ▲ 18% vs KY
- Home value to income
- 3.4×
- A $400 emergency expense
- 2.1 days
- of median household income
Payday loan stores in Louisville, KY
Licensed storefront lenders in Louisville with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the KY Dept of Fin. Inst. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10304 Shelbyville Rd Louisville, KY 40223 | (502) 254-1620 | — | 4.7 |
| 10635 Dixie Hwy Louisville, KY 40272 | (502) 935-0394 | — | 4.4 |
| 1253 Goss Ave Louisville, KY 40217 | (502) 638-0779 | — | 4.3 |
| 6517 Bardstown Rd Louisville, KY 40291 | (502) 762-9632 | — | 4.3 |
| 7031 Raggard Rd Louisville, KY 40216 | (502) 449-0293 | — | 4.5 |
| 3348 Hikes Lane, Ste. 109 Louisville, KY 40220 | (502) 459-3818 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 3943 Dixie Highway, Suite A Louisville, KY 40216 | (502) 447-8411 | Mon 10:00 AM – 6:00 PM Tue 10:00 AM – 4:00 PM Wed–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 4412 Outer Loop Hwy. Louisville, KY 40219 | (502) 966-9877 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 5510 New Cut Road Louisville, KY 40214 | (502) 380-3726 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
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| 3929 Taylorsville Rd Louisville, KY 40220 | (502) 451-6412 | — | 4.8 |
| 525 N 22nd St C Louisville, KY 40203 | (502) 776-9046 | — | 4.9 |
| 8520 Preston Hwy Louisville, KY 40219 | (502) 966-0285 | — | 3.0 |
| 6801 Dixie Hwy #164 Louisville, KY 40258 | (502) 856-6010 | — | 3.7 |
| 9346 Cedar Center Way Louisville, KY 40291 | (502) 253-9712 | — | 4.6 |
| 1850 S Hurstbourne Pkwy #135 Louisville, KY 40220 | (502) 365-1716 | — | 4.7 |
| 8800 Dixie Hwy B Louisville, KY 40258 | (502) 271-3676 | — | 4.7 |
| 6439 Bardstown Rd Louisville, KY 40291 | (502) 231-5464 | — | 4.9 |
| 8915 Stone Green Way Louisville, KY 40220 | (502) 702-5050 | — | 1.0 |
Fast & secure payday loans in Louisville, Kentucky
Unexpected expenses can happen anytime. If you need urgent cash in Louisville, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Louisville residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Kentucky Deferred Deposit Transactions Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Louisville residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Kentucky law (Kentucky Deferred Deposit Transactions Act). Always review the contract terms carefully before signing.
Louisville payday loan FAQ
How much cash can I borrow in Louisville?
Loan amounts in Louisville are typically from $100 up to $500, in line with Kentucky lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Louisville to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Louisville with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Louisville?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Louisville residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Louisville or the surrounding Kentucky area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).