Loans in Owsley County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Owsley County, KY.
The median household in Owsley County earns $22,188 a year, 65% below the Kentucky median of $63,726. About 36% of residents live below the federal poverty line, and 29.9% of households rent their home. 22.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Owsley County
Lenders that serve Owsley 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 Owsley County
What Owsley County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Owsley 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 Owsley County
Banks with branches in Owsley County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers State Bank | 1 | 21 Ky 11 S, Booneville 41314 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Owsley County. The nearest counties with credit unions:
Credit unions in Laurel County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Y-12 | 400 S Main St, London 40741 |
| L & N | 101 Spring St, London 40741 |
Source: NCUA credit union branch data, June 30, 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.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Owsley County?
Owsley 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 Owsley County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Owsley County?
Options include 1 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 Owsley County?
Fill out our short online form from anywhere in Owsley 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 Owsley County, KY?
You can apply at banks, credit unions and lenders in Owsley 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 Owsley County with bad credit?
Yes, many lenders in our network work with Owsley 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 Owsley County?
Yes. When an unexpected bill comes up, Owsley 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 apply for a loan online in Owsley County?
Yes. You don't need to visit a branch or storefront anywhere in Owsley 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.