Loans in Bath County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bath County, KY.
The median household in Bath County earns $56,541 a year, 11% below the Kentucky median of $63,726. About 25% of residents live below the federal poverty line, and 25.3% of households rent their home. 14.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Bath County
Lenders that serve Bath County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Bath County
What Bath County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Bath County
Payday Loans Legal
Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Personal Loans
Tiered monthly caps: 3% to $5,000, 2.42% to $10,000, 2.25% to $15,000.
Title Loans Limited
Kentucky has no separate title-pledge law.
Banks and credit unions in Bath County
Banks with branches in Bath County
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Owingsville Banking Company | 3 | 49 W Main St, Owingsville 40360 |
| The Citizens Bank | 2 | 648 Main St, Sharpsburg 40374 |
| Peoples Bank of Kentucky, Inc. | 1 | 43 Slate Ave, Owingsville 40360 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Bath County. The nearest counties with credit unions:
Credit unions in Rowan County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Morehead Community | 503 W Main St, Morehead 40351 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Clark County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Members Heritage | 339 Shoppers Dr, Winchester 40391 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Bath County?
Bath County follows Kentucky law. Payday loans (called deferred deposit transactions) are legal in Kentucky from lenders licensed by the Department of Financial Institutions under KRS Chapter 286, Subtitle 9.
Are title loans legal in Bath County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Bath County?
Options include 6 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Bath County?
Fill out our short online form from anywhere in Bath County. We share it with lenders in our network that serve Kentucky; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Bath County with bad credit?
Yes, many lenders in our network work with Bath County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Bath County, KY?
You can apply at banks, credit unions and lenders in Bath County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Kentucky residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Bath County?
Yes. You don't need to visit a branch or storefront anywhere in Bath County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Kentucky. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Bath County?
Yes. When an unexpected bill comes up, Bath County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.