Loans in Boyd County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Boyd County, KY.
The median household in Boyd County earns $61,118 a year, about the same as the Kentucky median of $63,726. About 17% of residents live below the federal poverty line, and 29.8% of households rent their home.
What you need for a payday loan in Boyd County
Lenders that serve Boyd 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 Boyd County
What Boyd County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Boyd 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 Boyd County
Banks with branches in Boyd County
15 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| City National Bank of West Virginia | 4 | 1500 Carter Ave, Ashland 41101 |
| Kentucky Farmers Bank Corporation | 3 | 2500 Broadway St, Catlettsburg 41129 |
| Community Trust Bank, Inc. | 2 | 1544 Winchester Ave, Ashland 41101 |
| Peoples Bank | 2 | 1999 Winchester Ave, Ashland 41101 |
| PNC Bank, National Association | 1 | 1000 Carter Ave, Ashland 41101 |
| Fifth Third Bank, National Association | 1 | 1422 Winchester Ave, Ashland 41101 |
| Citizens Bank of Kentucky, Inc. | 1 | 735 Central Ave, Ashland 41101 |
| The First National Bank of Grayson | 1 | 12496 Us Route 60, Ashland 41102 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Boyd County
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Ashland | 10700 Us Route 60, Ashland 41102 |
| Desco | 1211 Carter Ave, Ashland 41101 |
| Members Choice | 1315 Cannonsburg Rd, Ashland 41102 |
| Bluegrass Community | 824 Winchester Ave, Ashland 41101 |
| F.C.I. Ashland | State Route 716, Ashland 41101 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Boyd County
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Boyd County?
Boyd 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 Boyd County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Boyd County?
Options include 15 bank and 11 credit-union 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 Boyd County?
Fill out our short online form from anywhere in Boyd 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.
Where can I get a loan in Boyd County, KY?
You can apply at banks, credit unions and lenders in Boyd 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 Boyd County?
Yes. You don't need to visit a branch or storefront anywhere in Boyd 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 a loan in Boyd County with bad credit?
Yes, many lenders in our network work with Boyd 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.
Can I get an emergency loan in Boyd County?
Yes. When an unexpected bill comes up, Boyd 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.