Loans in Madison County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, KY.
The median household in Madison County earns $63,351 a year, about the same as the Kentucky median of $63,726. About 15% of residents live below the federal poverty line, and 38.0% of households rent their home.
What you need for a payday loan in Madison County
Lenders that serve Madison 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 Madison County
What Madison County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
36 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Whitaker Bank | 9 | 424 Chestnut St, Berea 40403 |
| Community Trust Bank, Inc. | 3 | 128 W Main St, Richmond 40475 |
| Citizens Guaranty Bank | 3 | 457 E Main St, Richmond 40475 |
| Cumberland Valley National Bank & Trust Company | 3 | 2110 Lexington Rd, Richmond 40475 |
| Central Bank & Trust Co. | 3 | 101 Brentwood Dr, Berea 40403 |
| First Southern National Bank | 2 | 894 Richmond Plz, Richmond 40475 |
| U.S. Bank National Association | 2 | 200 E Main St, Richmond 40475 |
| Stock Yards Bank & Trust Company | 2 | 660 University Shopping Ctr, Richmond 40475 |
| PNC Bank, National Association | 1 | 520 Eastern Byp, Richmond 40475 |
| JPMorgan Chase Bank, National Association | 1 | 405 Leighway Dr, Richmond 40475 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Commonwealth | 108 Meridian Way, Richmond 40475 |
| Park | 1300 Gibson Bay Dr, Richmond 40475 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Madison County?
Options include 36 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 Madison County?
Fill out our short online form from anywhere in Madison 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 apply for a loan online in Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison 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 Madison County, KY?
You can apply at banks, credit unions and lenders in Madison 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 Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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.