Loans in Metcalfe County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Metcalfe County, KY.
The median household in Metcalfe County earns $51,473 a year, 19% below the Kentucky median of $63,726. About 28% of residents live below the federal poverty line, and 22.3% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Metcalfe County
Here's what to have on hand before you start your payday loan request in Metcalfe 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 Metcalfe County
What Metcalfe County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Metcalfe 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 Metcalfe County
Banks with branches in Metcalfe County
5 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Edmonton State Bank | 4 | 2417 Summer Shade Rd, Summer Shade 42166 |
| South Central Bank, Inc. | 1 | 702 W Stockton St, Edmonton 42129 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Metcalfe County. The nearest counties with credit unions:
Credit unions in Barren County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Abound | 803 Happy Valley Rd, Glasgow 42141 |
| Service One | 116 Ensminger Dr, Glasgow 42141 |
| Autotruck Financial | 1003 W Main St Ste D, Glasgow 42141 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Taylor County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Abound | 121 Walmart Dr, Campbellsville 42718 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Metcalfe County?
Metcalfe 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 Metcalfe County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Metcalfe 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 Metcalfe County?
Fill out our short online form from anywhere in Metcalfe 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 Metcalfe County, KY?
You can apply at banks, credit unions and lenders in Metcalfe 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 Metcalfe 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. Metcalfe County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Metcalfe County?
Yes. You don't need to visit a branch or storefront anywhere in Metcalfe 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 Metcalfe County?
Yes. When an unexpected bill comes up, Metcalfe 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.