Loans in Lyon County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lyon County, KY.
The median household in Lyon County earns $65,066 a year, about the same as the Kentucky median of $63,726. About 10% of residents live below the federal poverty line, and 19.6% of households rent their home.
What you need for a payday loan in Lyon County
Most Lyon 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 Lyon County
What Lyon County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lyon 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 Lyon County
Banks with branches in Lyon County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fredonia Valley Bank | 2 | 226 Commerce St, Eddyville 42038 |
| Truist Bank | 1 | 31 Outlet Ave, Eddyville 42038 |
| Fifth Third Bank, National Association | 1 | 418 Newman Dr, Eddyville 42038 |
| Farmers Bank and Trust Company | 1 | 28 Commerce St., Eddyville 42038 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lyon County. The nearest counties with credit unions:
Credit unions in Marshall County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Lake Chem Community | 35 Us Highway 68 E, Benton 42025 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Livingston County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| C-Plant | 303 Mill St, Smithland 42081 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Lyon County?
Lyon 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 Lyon County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Lyon County?
Options include 5 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 Lyon County?
Fill out our short online form from anywhere in Lyon 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 Lyon County, KY?
You can apply at banks, credit unions and lenders in Lyon 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 an emergency loan in Lyon County?
Yes. When an unexpected bill comes up, Lyon 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 Lyon County with bad credit?
Yes, many lenders in our network work with Lyon 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 Lyon 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. Lyon County residents can start any time, and it takes about 3 minutes.