Loans in Martin County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Martin County, KY.
The median household in Martin County earns $37,042 a year, 42% below the Kentucky median of $63,726. About 33% of residents live below the federal poverty line, and 15.1% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Martin County
Most Martin 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 Martin County
What Martin County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Martin 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 Martin County
Banks with branches in Martin County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 2 | 41 W Main St, Inez 41224 |
| Peoples Bank | 1 | 87 Main Street, Inez 41224 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Martin 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 Boyd County
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Ashland | 10700 Us Route 60, Ashland 41102 |
| Desco | 1211 Carter Ave, Ashland 41101 |
| Members Choice | 1315 Cannonsburg Rd, Ashland 41102 |
| Bluegrass Community | 824 Winchester Ave, Ashland 41101 |
| F.C.I. Ashland | State Route 716, Ashland 41101 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Martin County?
Martin 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 Martin County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Martin County?
Options include 3 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 Martin County?
Fill out our short online form from anywhere in Martin 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 Martin County?
Yes. You don't need to visit a branch or storefront anywhere in Martin 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 Martin County with bad credit?
Yes, many lenders in our network work with Martin 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 an emergency loan in Martin County?
Yes. When an unexpected bill comes up, Martin 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.
Where can I get a loan in Martin County, KY?
You can apply at banks, credit unions and lenders in Martin 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.