Short of cash in Kentucky? A payday loan lets you get same-day funding in Kentucky when you need it most. We all come across unexpected bills from time to time that catch us off guard, such as car repairs or hospital bills. As much as you may stick to a budget or financial plan, it’s difficult to cope with unexpected expenses. In times like these, a payday loan may be a good way to help tide you over until you get back on your feet.

If you need a fast loan for any emergency, Pheabs could help you find it. You can use our loan request service for free 100% online, from the comfort of your own home. The loan request will reach direct lenders across Kentucky who will consider your inquiry and get your results in minutes. Once accepted, the money could arrive in your account in just one hour!


We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.

The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.

Our credit searches will not impact your credit score

We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.

How much money do I need?

It’s best to consider how much you need to borrow before inquiring. You can borrow from $100 up to $35,000 with a payday loan in Kentucky. Make sure you are borrowing the right amount for your needs. Over-borrowing could make it difficult when facing repayments and under-borrowing may not be sufficient in covering your financial problem.

How long do I need to borrow it for?

A short-term loan will let you repay the money 2-4 weeks later in one final payment. This should be enough time to receive your next paycheque. You can also opt for a long-term loan to be paid in monthly instalments for up to five years. You can repay your loan early at any time, and this will also save you money on interest.

Will I be able to afford to repay my payday loan?

Most importantly, make sure you can afford to make the repayments for your payday loan on time. Consider the quantity of your income and determine how much you can responsibly repay before accepting a payday loan.

If you think that you may not be able to pay back the loan, it is best to consider other options such as borrowing from family and friends. In the event that you are unable to repay your Kentucky payday loan, interest could be added, and your credit rating may be affected. 

Whatever your situation is, a broken-down car, faulty boiler or medical bills, you can find funding with a short online form. You can receive an instant decision when you request and could obtain your loan within one hour of being approved. There are no fees for using Pheabs, and the money can be in your bank account the same day in one lump sum. This will make sure you’re able to cope with your money struggle and get on track with your finances. Pheabs helps you find a fast and efficient payday loan anywhere in Kentucky. Get started today and receive a decision in minutes.

Pheabs makes getting a payday loan in Kentucky very efficient, but there are still some tips to speed up the process.

Check if you are eligible

Be sure to check if you are eligible before searching for a payday loan in Kentucky. There are four main criteria. You must be over 18 and a US resident, with a steady income and a checking account for the money to be paid into. Making sure you meet the criteria beforehand will avoid disappointment and allow you more time to consider alternative options if you are not a fit.

Have your details ready to go

When filling out the online loan form, be sure to have your personal information and bank details on hand. This will speed up the request process, which should only take a few minutes to complete.

Submit a form during working hours

The best time to inquire is during work hours as this is when most loans are funded and response times are fastest. It would be best to avoid national holidays too!

Be available to respond

Once you’ve sent your request form, make sure to remain available in case you are connected to provide follow-up information — don’t head out to the gym or go shopping!  If accepted, the loan could arrive in your account in as little as one hour.  

Finding the right payday loan in Kentucky is made easy with Pheabs. Simply click on any of the “Get Started” buttons, fill in our quick and easy online application, and we’ll search through our panel of trusted lenders to find the right loan option for you.

When completing our online application, you’ll have to provide a few details about yourself, including your employment status, your income and your expenditure. You’ll also have to tell us how much you’d like to borrow and for how long.

In order to be eligible for a loan with one of our trusted lenders, you’ll also have to meet certain eligibility criteria. It’s best to have a look at what’s required before beginning your application. Details on eligibility requirements can be found on our FAQs page.

If your application is successful, you’ll know about this straight away — with an instant decision popping up on screen once your application has been completed. As we’re a broker, and not a lender, the funds won’t be provided by us directly, but rather the chosen lender we connect you with. These funds can be transferred in as little as an hour, perfect for when you need access to cash fast.


Requesting a Kentucky payday loan with Pheabs will not leave any visible footprint on your credit. You can relax with the assurance that inquiring will not harm your credit rating or affect whether you are approved for future loans.

Wherever you are in Kentucky, Pheabs can help find payday loans best for your borrowing needs.


Is Pheabs A Broker Or A Lender?

Pheabs is a broker, meaning once you’ve submitted your loan request with us, we’ll search through our panel of trusted lenders to find one best suited to you and your borrowing needs.

As we’re a broker, and not a lender, this also means the funds won’t be provided by Pheabs directly, but rather by the lender that we connect you with.

Is Pheabs Free To Use?

Yes, we will never charge you for submitting a loan request through our site. We may earn commission with our trusted partner lenders if your application turns out to be successful.

Pheabs also considers all different credit histories, meaning you may still be eligible if you have bad credit.

How Much Can I Borrow And How Long For?

Though Pheabs, you can find payday loans ranging from $100 to $35,000, with repayment periods going up to a maximum of five years.

Am I Eligible For A Payday Loan In Kentucky?

In order to maximise the chances of success with your application, potential borrowers should first check to see if they meet the eligibility criteria for our trusted partners. This includes the following:

  • Applicants must be over 18 years old.
  • Applicants must be in stable employment with a stable income.
  • Applicants must make a stable income of $800 per month or more.
  • Applicants must be US citizens.

Pheabs can consider all different kinds of credit histories, meaning if you have a poor, average, or simply less than perfect credit score, we can still help find the best loans to suit you and your borrowing needs.