Loans in Johnson County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Johnson County, KY.
The median household in Johnson County earns $44,904 a year, 30% below the Kentucky median of $63,726. About 23% of residents live below the federal poverty line, and 31.7% of households rent their home.
What you need for a payday loan in Johnson County
Here's what to have on hand before you start your payday loan request in Johnson County:
- 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 Johnson County
What Johnson County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Johnson 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 Johnson County
Banks with branches in Johnson County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank of Kentucky, Inc. | 2 | 620 Broadway St, Paintsville 41240 |
| City National Bank of West Virginia | 2 | 603 S Mayo Trl, Paintsville 41240 |
| Truist Bank | 1 | 300 N Mayo Trl, Paintsville 41240 |
| Community Trust Bank, Inc. | 1 | 470 N Mayo Trl, Paintsville 41240 |
| Peoples Bank | 1 | 601 N Mayo Trl, Paintsville 41240 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Johnson County. The nearest counties with credit unions:
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.
Credit unions in Carter County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Members Choice | 114 Interstate Dr, Grayson 41143 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Johnson County?
Johnson 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 Johnson County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Johnson County?
Options include 7 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 Johnson County?
Fill out our short online form from anywhere in Johnson 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 an emergency loan in Johnson County?
Yes. When an unexpected bill comes up, Johnson 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.
Can I get a loan in Johnson 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. Johnson County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Johnson County?
Yes. You don't need to visit a branch or storefront anywhere in Johnson 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.
Where can I get a loan in Johnson County, KY?
You can apply at banks, credit unions and lenders in Johnson 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.