Whether you are in Louisville, Lexington, Frankfort, or elsewhere in Kentucky, we can help you find a Payday Loans in Kentucky to suit your needs!

Capital Bean can help you gain quick access to funds to overcome emergency financial setbacks. Apply today and you may receive the funds in under an hour.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

Can Capital Bean Help You Find A Payday Loan In Kentucky?

If you are in Kentucky and need cash between paychecks, Capital Bean can help you gain quick access to funds. Whether it is a burst pipe, medical emergency or car breakdown, there are many reasons why you might need quick access to funds. Our online services are quick and easy to use and can help you find a payday loan anywhere in Kentucky. Apply today and get a decision in minutes!

quick-loans-kentuckyThe right partner

Capital Bean only works with trusted lenders so we can guarantee responsible lending. With hundreds of different lenders available across Kentucky, we can analyze your application and make sure we are finding the right lender and the best loan product for your personal circumstances.

payday-loan-kentuckyNo impact on your credit history

Unlike banks and other financial institutions, Capital Bean only ever carries out soft credit checks meaning that there will never be a visible footprint on your credit history. Capital Bean looks at factors other than just your credit history.



Capital Bean is a broker rather than a direct lender. This means that while we don’t supply the funds directly, we will match you with the best lender for you. Even if you do not have perfect credit, we will always try and help you.

How Can I Apply For A Payday Loan In Kentucky?

Capital Bean makes it easy to apply for a payday loan with our 100% online form. It will take you less than 5 minutes to apply and you can get an instant decision.

Step 1
Apply Online

Use our 100% free online form to apply in less than 5 minutes on your phone or laptop.

Step 2
Instant Decision

You will receive an instant decision on your laptop, tablet or ipad from one of our lending partners who will offer the best rates for your circumstances.

Step 3
Receive Money

Within 1 hour, the same day or the next business day you will get your funds in your nominated bank account that you provided in your application.

Is A Kentucky Payday Loan The Right Product For Me?

Many of our borrowers work with Capital Bean to help them get through short-term financial problems such as an unexpected medical expense, burst pipe or broken down car. Once you’ve been approved by our panel the funds could be in your bank account in less than an hour.

Capital Bean helps people in Kentucky find a payday loan with the best options

  • Instant decisions
  • Flexible repayment options
  • Options for borrowers with poor credit
  • Online loan request form

Payday loans are not the answer for everyone. If you are looking for extra cash to spend on shopping or going out, payday loans are not the best option. For anyone suffering long-term financial problems, they should explore alternative options. Payday loans should only ever be used for short-term, emergency expenses.

Always read the lender’s terms and conditions carefully to make sure you can afford this loan over the time period requested. If you are unable to meet a repayment on the due date for any reason, this will increase the amount of interest you need to pay and could negatively impact your credit score.

Am I Eligible For A Payday Loan in Kentucky?

To save time and potential disappointment, you should always check whether you’re eligible for a loan before using the online request form. To be eligible for a payday loan in Kentucky, there are four key eligibility requirements. Applicants must be:

  • Residents of the US
  • At least 18 years old.
  • Demonstrate a monthly income of at least $800.
  • Have an active checking account where your payday loan can be paid into.

Are Payday Loans Legal In Kentucky?

Payday loans are legal in the state of Kentucky. State law orders a maximum payday loan amount of $500 and a maximum loan term of 60 days. Unlike many other states, rollovers are legally permitted in Kentucky meaning that lenders can roll the loan over if the borrower is unable to meet repayment on the due date. The average APR of a loan in Kentucky is 460% for a $300 payday loan. Law states that finance charges per $100 should not exceed $15.

Can I Get A Kentucky Payday Loan If I Have Very Bad Credit?

Even if you have bad credit, you may still be eligible for a loan. In the state of Kentucky, you can still find a payday loan even if you’ve been turned down by an app or credit union or bank in the past for your bad credit. You might have made a mistake in the past that has impacted your credit score, but we at Capital Bean believe you should always have the opportunity to rebuild your financial strength. Working with borrowers from all backgrounds, Capital Bean can help you get started today to find the right payday loan for you.

How Can I Find A Payday Loan In Kentucky?

Our application process for Kentucky payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.

We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in under an hour!

At Capital Bean, we understand that sometimes time is of the essence. When you’re hit with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!

If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans may not be for you. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.

What Are The Repayment Terms Of A Payday Loan In Kentucky?

The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks.

If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time.

In Kentucky, the maximum loan term is 60 days; however, rollovers are permitted.

If for any reason you struggle to pay back the loan amount,this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.

Where In Kentucky Can I Get A Payday Loan?

We work with lenders across the whole of Kentucky and so work in a city near you. We work in the following cities and towns and all across Kentucky.

Bowling Green


How Fast Can I Get A Payday Loan?

Fill out our 100% online request form and receive a decision about your loan approval in minutes. If your application is successful, you could even receive the funds directly into your account on the same day.

Capital Bean aims to make the process as fast and straightforward as possible. That is why we work with multiple lenders across Kentucky to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.

To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during Kentucky working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.

What Is The Process To Request A Loan In Kentucky?

Get started today by clicking on the ‘get started’ button below. This will take you straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.


Frequently Asked Questions in Kentucky?

Payday loan amounts range from $100 to $35,000 although Kentucky state law prohibits loans of more than $1000 or 25% of gross monthly income.

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

There are no fees to submit a payday loan request in Kentucky via Capital Bean’s online application service.

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate in Illinois. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.

If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through in Kentucky on the same day then Capital Bean could be the right partner for you.

Where are we in Kentucky?