Jeffersontown, KY · South · Allowed
Payday loans in Jeffersontown
Jeffersontown is governed by Kentucky's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Kentucky. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Jeffersontown
27,352 residents · Jefferson County Median household income is $61,069 — above the Kentucky median of $42,528.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Jeffersonville 11 mi | (812) 218-0959 |
| Advance America | Louisville 11 mi | (502) 897-9656 |
| Advance America | Louisville 11 mi | (502) 261-0553 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Kentucky page before visiting. Spot an error? Report it.
The online route in Jeffersontown
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Kentucky follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Kentucky regulator.
The rules behind the numbers
Deferred deposit transactions are short-term loans designed for immediate cash needs and are not intended for long-term credit solutions.
In practice: borrow $300 for a standard term and the finance charge is $46 — $346 repaid at the end, about 400% APR. Every compliant lender in Jeffersontown has to fit inside that schedule.
Statute: KRS 286.9-010 et seq.
Regulator: Kentucky Department of Financial Institutions · kfi.ky.gov
Questions people ask in Jeffersontown
Are payday loans legal in Jeffersontown, KY?
Yes. Storefront payday lending is permitted across Kentucky, and Jeffersontown runs under the same state rules: maximum loan $500, fees capped at $15 per $100 advanced + $1 database fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Jeffersontown?
The same as anywhere in Kentucky: state law sets the schedule. On a typical $300 loan the finance charge is about $46 — $346 repaid at the end of the standard term.
Which lenders have stores in Jeffersontown?
Our 2022-02-20 directory snapshot lists no storefront lenders in Jeffersontown — the closest listed locations are in Jeffersonville, Louisville.
Who regulates lenders in Jeffersontown?
Complaints about a lender go to the Kentucky Department of Financial Institutions (kfi.ky.gov) — keep the loan agreement and every fee disclosure you were given.