Loans in Floyd County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Floyd County, KY.
The median household in Floyd County earns $41,279 a year, 35% below the Kentucky median of $63,726. About 28% of residents live below the federal poverty line, and 27.8% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Floyd County
Lenders that serve Floyd 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 Floyd County
What Floyd County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Floyd 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 Floyd County
Banks with branches in Floyd County
10 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Peoples Bank | 3 | 311 N Arnold Ave, Prestonsburg 41653 |
| Citizens Bank of Kentucky, Inc. | 3 | 6474 Kentucky 1428, Allen 41601 |
| U.S. Bank National Association | 2 | 12579 Main St, Martin 41649 |
| Community Trust Bank, Inc. | 2 | 161 S Lake Dr, Prestonsburg 41653 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Floyd County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Commonwealth | 550 N Lake Dr, Prestonsburg 41653 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Floyd County?
Floyd 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 Floyd County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Floyd County?
Options include 10 bank and 1 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 Floyd County?
Fill out our short online form from anywhere in Floyd 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 Floyd 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. Floyd County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Floyd County, KY?
You can apply at banks, credit unions and lenders in Floyd 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 Floyd County?
Yes. You don't need to visit a branch or storefront anywhere in Floyd 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 Floyd County with bad credit?
Yes, many lenders in our network work with Floyd 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.