Payday loans in St. Matthews, KY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Matthews, KY.
The median household in St. Matthews earns $82,412 a year, 29% above the Kentucky median of $63,726. About 7% of residents live below the federal poverty line, and 46.7% of households rent their home. When an unexpected bill hits before payday, St. Matthews residents can request $100 to $1,000 online in minutes.
Kentucky law that applies in St. Matthews
| Maximum loan | You may have at most two payday loans open at once, and the total cash you receive from all open payday loans may not exceed $600. |
|---|---|
| Fee cap | The fee may not be more than $15 per $100 of the check's face amount, prorated. |
| Rollovers | A lender (or its affiliate) may not renew, roll over or consolidate a payday loan for a fee. |
| Loans at once | No more than two open payday loans at a time (total cash capped as above). |
Full rules with statute citations: Payday Loans in Kentucky. Cities in Kentucky cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in St. Matthews
Most St. Matthews 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 St. Matthews
What St. Matthews borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in St. Matthews
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Kentucky.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Kentucky caps the fee at $15 per $100 (state law).
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in St. Matthews
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Republic Bank & Trust Company | 1 | 3950 Kresge Way, St. Matthews 40207 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
66 credit-union locations from 19 credit unions.
| Credit union | Location |
|---|---|
| Class Act | 3620 Fern Valley Rd, Louisville 40219 |
| Advanz | 9600 Ormsby Station Rd, Louisville 40223 |
| K I T | 9711 Linn Station Rd, Louisville 40223 |
| Msd | 700 W Liberty St, Louisville 40203 |
| Liberty | 1200 Forest Bridge Rd, Louisville 40223 |
| Commonwealth | 3704 Frankfort Ave, Louisville 40207 |
| L & N | 9265 Smyrna Pkwy, Louisville 40229 |
| Abound | 9915 Dixie Hwy, Louisville 40272 |
| Park | 6101 Fern Valley Rd, Louisville 40228 |
| Transcend | 3740 Bardstown Rd, Louisville 40218 |
| Autotruck Financial | 7651 Jefferson Green Way, Louisville 40219 |
| Caro | 1630 Lyndon Farm Ct Ste 201, Louisville 40223 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jefferson County · Personal Loans in St. Matthews
Frequently asked questions
Can I get a payday loan in St. Matthews, KY?
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. You can request one online from St. Matthews through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in St. Matthews?
You may have at most two payday loans open at once, and the total cash you receive from all open payday loans may not exceed $600. The DFI commissioner adjusts this amount each July 1 for inflation (CPI-U, rounded up to the nearest $10), but it can never go above $850.
How much does a $300 payday loan cost in St. Matthews?
At Kentucky's cap of $15 per $100, the fee on $300 is $45, so you would repay $345 on your due date.
How fast can I get a payday loan in St. Matthews?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
What is a payday loan in St. Matthews?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in St. Matthews can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Kentucky rules. See if you qualify in about 3 minutes.
Where can I get a payday loan in St. Matthews?
You can visit a storefront in St. Matthews or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. St. Matthews residents can see if they qualify in about 3 minutes.
Do payday lenders in St. Matthews check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. St. Matthews residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in St. Matthews?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.