Loans in Woodford County, KY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Woodford County, KY.
The median household in Woodford County earns $83,788 a year, 31% above the Kentucky median of $63,726. About 10% of residents live below the federal poverty line, and 28.3% of households rent their home.
What you need for a payday loan in Woodford County
Here's what to have on hand before you start your payday loan request in Woodford 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 Woodford County
What Woodford County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Woodford 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 Woodford County
Banks with branches in Woodford County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| City National Bank of West Virginia | 3 | 534 Marsailles Rd, Versailles 40383 |
| Community Trust Bank, Inc. | 1 | 470 Lexington Rd, Versailles 40383 |
| WesBanco Bank, Inc. | 1 | 100 United Dr, Versailles 40383 |
| PNC Bank, National Association | 1 | 442 Lexington Rd, Versailles 40383 |
| Stock Yards Bank & Trust Company | 1 | 520 Marsailles Rd, Versailles 40383 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Woodford County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Commonwealth | 1290 Crossfield Dr, Versailles 40383 |
| Greater Kentucky Cu, Inc. | 479 Lexington Rd, Versailles 40383 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Woodford County
All Kentucky counties and cities
Frequently asked questions
Are payday loans legal in Woodford County?
Woodford 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 Woodford County?
Kentucky has no separate title-pledge law.
Where can I get a small loan in Woodford County?
Options include 7 bank and 2 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 Woodford County?
Fill out our short online form from anywhere in Woodford 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 an emergency loan in Woodford County?
Yes. When an unexpected bill comes up, Woodford 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 Woodford County?
Yes. You don't need to visit a branch or storefront anywhere in Woodford 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 Woodford 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. Woodford County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Woodford County with bad credit?
Yes, many lenders in our network work with Woodford 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.