Loans in Powell County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Powell County, KY.
The median household in Powell County earns $40,309 a year, 37% below the Kentucky median of $63,726. About 22% of residents live below the federal poverty line, and 31.8% of households rent their home. 18.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Powell County
Lenders that serve Powell 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 Powell County
What Powell County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Powell 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 Powell County
Banks with branches in Powell County
5 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Whitaker Bank | 2 | 4459 Main St, Clay City 40312 |
| Peoples Exchange Bank | 1 | 53 E Pendleton St, Stanton 40380 |
| Citizens Guaranty Bank | 1 | 488 S Main St, Stanton 40380 |
| Pbt Bancorp | 1 | 297 N Main St, Stanton 40380 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Powell County. The nearest counties with credit unions:
Credit unions in Clark County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Members Heritage | 339 Shoppers Dr, Winchester 40391 |
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 Powell County?
Powell 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 Powell County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Powell 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 Powell County?
Fill out our short online form from anywhere in Powell 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 Powell County, KY?
You can apply at banks, credit unions and lenders in Powell 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 Powell County with bad credit?
Yes, many lenders in our network work with Powell 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 apply for a loan online in Powell County?
Yes. You don't need to visit a branch or storefront anywhere in Powell 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 Powell County?
Yes. When an unexpected bill comes up, Powell 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.