Loans in Perry County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Perry County, KY.
The median household in Perry County earns $42,181 a year, 34% below the Kentucky median of $63,726. About 27% of residents live below the federal poverty line, and 29.6% of households rent their home.
What you need for a payday loan in Perry County
Most Perry 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 Perry County
What Perry County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Perry 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 Perry County
Banks with branches in Perry County
11 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Pbt Bancorp | 3 | 524 Main St, Hazard 41701 |
| Community Trust Bank, Inc. | 3 | 1665 Combs Rd, Hazard 41701 |
| Whitaker Bank | 2 | 1818 S Ky Highway 15, Hazard 41701 |
| 1st Trust Bank, Inc. | 2 | 44 Commerce Dr, Hazard 41701 |
| First Federal Savings and Loan Association | 1 | 479 Main St, Hazard 41701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Perry 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 Bell County
5 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Y-12 | 1820 Cumberland Ave, Middlesboro 40965 |
| Arh | 3805 Cumberland Ave, Middlesboro 40965 |
Source: NCUA credit union branch data, June 30, 2026.
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Perry County?
Perry 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 Perry County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Perry County?
Options include 11 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 Perry County?
Fill out our short online form from anywhere in Perry 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 get a loan in Perry County with bad credit?
Yes, many lenders in our network work with Perry 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.
Where can I get a loan in Perry County, KY?
You can apply at banks, credit unions and lenders in Perry 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 Perry 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. Perry County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Perry County?
Yes. You don't need to visit a branch or storefront anywhere in Perry 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.