Loans in Pulaski County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pulaski County, KY.
The median household in Pulaski County earns $51,898 a year, 19% below the Kentucky median of $63,726. About 20% of residents live below the federal poverty line, and 27.5% of households rent their home. 11.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Pulaski County
Lenders that serve Pulaski 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 Pulaski County
What Pulaski County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Pulaski 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 Pulaski County
Banks with branches in Pulaski County
30 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens National Bank of Somerset | 8 | 44 Public Sq, Somerset 42501 |
| First & Farmers National Bank, Inc. | 5 | 2020 S Highway 27, Somerset 42501 |
| Cumberland Security Bank, Inc. | 4 | 107 S Main St, Somerset 42501 |
| First Southern National Bank | 2 | 15 N Highway 27, Somerset 42503 |
| Forcht Bank, National Association | 2 | 1846 S Highway 27, Somerset 42501 |
| The Monticello Banking Company | 2 | 475 E Highway 80, Somerset 42501 |
| Community Trust Bank, Inc. | 2 | 239 N Highway 27, Somerset 42503 |
| Truist Bank | 1 | 546 S Highway 27, Somerset 42501 |
| Cumberland Valley National Bank & Trust Company | 1 | 1520 S Highway 27, Somerset 42501 |
| Citizens Bank | 1 | 1850 S Highway 27, Somerset 42501 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pulaski County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| L & N | 2599 S Highway 27, Somerset 42501 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Pulaski County
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Pulaski County?
Pulaski 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 Pulaski County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Pulaski County?
Options include 30 bank and 1 credit-union 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 Pulaski County?
Fill out our short online form from anywhere in Pulaski 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 Pulaski County with bad credit?
Yes, many lenders in our network work with Pulaski 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 Pulaski County?
Yes. You don't need to visit a branch or storefront anywhere in Pulaski 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 Pulaski 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. Pulaski County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Pulaski County, KY?
You can apply at banks, credit unions and lenders in Pulaski 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.