Loans in Graves County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Graves County, KY.
The median household in Graves County earns $50,772 a year, 20% below the Kentucky median of $63,726. About 20% of residents live below the federal poverty line, and 23.9% of households rent their home. 13.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Graves County
Most Graves County applicants can finish in one sitting if they have these ready:
- 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 Graves County
What Graves County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Graves 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 Graves County
Banks with branches in Graves County
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| FNB Bank, Inc. | 4 | 101 E Broadway, Mayfield 42066 |
| First Kentucky Bank, Inc. | 3 | 223 S 6th St, Mayfield 42066 |
| Regions Bank | 1 | 1104 Paris Rd, Mayfield 42066 |
| U.S. Bank National Association | 1 | 406 S 7th St, Mayfield 42066 |
| First Community Bank of the Heartland, Inc. | 1 | 10308 State Route 80 W, Fancy Farm 42039 |
| Independence Bank of Kentucky | 1 | 100 E College St, Mayfield 42066 |
| Community Financial Services Bank | 1 | 100 Dick Castleman Byp, Mayfield 42066 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Graves County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Signet | 402 Charles Dr, Mayfield 42066 |
| C-Plant | 1245 Paris Rd, Mayfield 42066 |
| Your Hometown | 2338 State Route 45 N, Mayfield 42066 |
Source: NCUA credit union branch data, June 30, 2026.
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Frequently asked questions
Are payday loans legal in Graves County?
Graves 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 Graves County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Graves County?
Options include 12 bank and 3 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 Graves County?
Fill out our short online form from anywhere in Graves 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 Graves County, KY?
You can apply at banks, credit unions and lenders in Graves 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 get a loan in Graves 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. Graves County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Graves County?
Yes. You don't need to visit a branch or storefront anywhere in Graves 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 Graves County?
Yes. When an unexpected bill comes up, Graves 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.