Loans in Daviess County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Daviess County, KY.
The median household in Daviess County earns $68,214 a year, 7% above the Kentucky median of $63,726. About 15% of residents live below the federal poverty line, and 31.9% of households rent their home.
What you need for a payday loan in Daviess County
Lenders that serve Daviess 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 Daviess County
What Daviess County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Daviess 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 Daviess County
Banks with branches in Daviess County
27 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Independence Bank of Kentucky | 3 | 2425 Frederica St, Owensboro 42301 |
| Truist Bank | 3 | 100 W 3rd St, Owensboro 42303 |
| German American Bank | 3 | 313 Frederica St, Owensboro 42301 |
| U.S. Bank National Association | 3 | 2701 New Hartford Rd, Owensboro 42303 |
| South Central Bank, Inc. | 3 | 2715 Frederica St, Owensboro 42301 |
| Old National Bank | 2 | 123 W 4th St, Owensboro 42303 |
| Fifth Third Bank, National Association | 2 | 500 Frederica St, Owensboro 42301 |
| JPMorgan Chase Bank, National Association | 2 | 2938 Frederica St, Owensboro 42301 |
| Peoples Bank | 2 | 3500 Frederica St, Owensboro 42301 |
| First United Bank and Trust Company | 2 | 3012 W Parrish Ave, Owensboro 42301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Daviess County
12 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Liberty | 2820 N York St, Owensboro 42301 |
| Heritage | 3700 Frederica St, Owensboro 42301 |
| Owensboro | 717 Harvard Dr, Owensboro 42301 |
| Daviess County Teachers | 1900 Southeastern Pkwy, Owensboro 42303 |
| Green River Area | 3000 Highway 144, Owensboro 42303 |
| Whitesville Community | 10589 Franklin St, Whitesville 42378 |
| Audubon | 1429 Breckenridge St, Owensboro 42303 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Daviess County
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Daviess County?
Daviess 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 Daviess County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Daviess County?
Options include 27 bank and 12 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 Daviess County?
Fill out our short online form from anywhere in Daviess 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 Daviess County with bad credit?
Yes, many lenders in our network work with Daviess 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 a loan in Daviess County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Daviess County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Daviess County?
Yes. When an unexpected bill comes up, Daviess 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.
Where can I get a loan in Daviess County, KY?
You can apply at banks, credit unions and lenders in Daviess 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.