Do You Need A Small Loan? Let Kentucky Payday Loans Help

May 28, 2021 | Mason Roberts

need a small loan

We all know that going into debt to solve a problem is never a choice one should make lightly. However, there are plenty of situations where you need a small loan, and getting one can offer you more pros than cons. Especially when the situation on hand is time-sensitive and you need to get cash together on short notice or risk the situation becoming worse. This is when quick payday loans can help.

When to Get A Kentucky Payday Loan?

If you need a small loan but you have a chance to get the cash you need by other means that won’t add to your existing financial obligations – it should definitely be your preferred solution.

However, when the money problem in question is time-sensitive and could escalate and get worse if not dealt with as soon as possible, you might not have the luxury of time.

There are two main questions you should ask yourself to determine if you really need a loan to fix the problem:

  1. Can the problem on hand be postponed without becoming worse?
  2. Will it cost more to fix the problem in the future if it is not handled immediately?

Say your car starts experiencing some problems. If you live in an area with a good public transport system, you could just leave your car in the garage and use public transport for commuting until you get enough cash together to take your car to a mechanic.

But if you live in an area with no or poor public transport and need the car to commute to work, you aren’t likely to able to delay the visit to the mechanic that long, otherwise the problem may get a lot worse and a lot more costly, not to mention the possible risk for your health.

In that case, getting a payday loan and fixing the car sooner rather than later would be a preferable solution.

Other good examples of situations that could warrant a small loan would be medical expenses, urgent house repairs, overdue bills, etc.

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The Advantages of A Payday Loan

What makes a Kentucky payday loan an option worth looking into when you need a small loan? Here are a few reasons:

1. It’s Accessible And You Can Easily Qualify

Almost anyone could qualify for a payday loan at Fast Payday Loans of Kentucky, Inc., Inc. There are only a few simple qualifying requirements, and Fast Payday Loans of Kentucky, Inc. will do its best to accommodate your circumstances:

Here’s what you’ll need to gather when you need a small loan:

  • A valid state-issued ID or driver’s license to verify your identity and prove you’re of legal age (only those over 18 can apply for a payday loan).
  • Proof of income – typically this would be your most recent pay stub but depending on your circumstances you can provide other documents (more on that below).
  • An active checking account in your name – you will need to have a blank check from the account to present during your appointment with the loan representative.

2. Your Credit Score Won’t Influence Your Chances

At Fast Payday Loans of Kentucky, Inc. you can qualify for a payday loan regardless of your credit score.

This means if you have bad credit, recently filed for bankruptcy, had your check bounce, or have no credit history at all – you can still get a payday loan if you satisfy the qualifying requirements.

3. The Payday Loan Won’t Hurt Your Credit History

If you need a small loan but you are worried about your credit score, know that for a loan to influence your credit history, it must be reported to a credit bureau first.

Fast Payday Loans of Kentucky, Inc. doesn’t report its loan information to any credit bureaus, so you can rest assured that the information will remain entirely between you and the lender. This means that the payday loan won’t influence your credit history in any way, shape, or form.

4. You Have A Chance to Get A Loan Even If You’re Unemployed

While you would typically provide your most recent pay stub as proof of income when you need a small loan, Fast Payday Loans of Kentucky, Inc. will accommodate your other income means if you’re currently unemployed.

You would need to speak about your options with the loan representative and be meticulous in providing the documentation they ask for. But if you do – you could use means such as benefits, court-mandated compensation, or savings.

apply online when you need a small loan

5. It’s One of The Fastest Loans Around – You Could Get One TODAY

The entire process of getting a payday loan typically takes under an hour and could take as little as 30 minutes.

And you’d be getting the cash you qualified for (anywhere between $100-$500) the very same day.

How to Get A Kentucky Payday Loan Near Me?

The steps for getting a payday loan through Fast Payday Loans of Kentucky, Inc is very simple:

  1. Get the required items (ID/driver’s license, proof of income, a blank check from an active checking account).
  2. Fill out and submit the online form on Fast Payday Loans of Kentucky, Inc’s website.
  3. Answer your phone when the loan representative from your chosen location calls you with further instructions.
  4. Take the required items to the meeting the loan representative schedules during your initial phone call.
  5. Let them assess everything to determine the specifics of your loan.
  6. Complete the paperwork and you’re done!

Fast Payday Loans of Kentucky, Inc. Is Here for You

When you need a small loan or urgent financial help and have no one to turn to, know that Fast Payday Loans of Kentucky, Inc. is here to help you. Our payday loan process is simple and quick to provide you with a fast solution to urgent problems. All in all, getting a payday loan will take you no more than an hour. So, if you need a small loan urgently – apply for one and get the cash TODAY!