Cash Advance Centers of KY offers emergency cash loans from a Lexington location. Limited service details available from current online presence.
Data compiled from public sources · Rating from CreditDoc methodology
Cash Advance Centers of KY operates a physical location in Lexington, Kentucky, serving the local community's emergency cash needs. The company maintains a storefront at 1328 Versailles Rd in Lexington's 40504 zip code and can be reached by phone at (859) 243-0603. Based on the company name and emergency-cash categorization, the business appears to focus on providing fast, short-term cash solutions for consumers facing immediate financial needs.
While specific product details are not available through their current web presence, cash advance centers typically offer services such as payday loans, title loans, and other short-term lending products designed for rapid funding. The company's classification within the emergency-cash category suggests they provide loans in the $100-$1,000 range with same-day or next-day funding options, which are common offerings in this industry segment.
Cash Advance Centers of KY distinguishes itself through local, in-person service availability during extended business hours. The company operates Monday through Friday from 9:30 AM to 6:00 PM and Saturday from 10:00 AM to 3:00 PM, providing accessibility for working customers. This physical presence and phone availability differentiate them from purely online lenders in the emergency-cash space.
A significant limitation is the minimal online information available about the company's specific products, terms, fees, and APR rates. Consumers cannot easily evaluate loan terms, interest rates, or compare offerings before visiting the location. The reliance on a Google Maps/Waze listing rather than a dedicated website limits transparency and makes pre-visit research difficult. Prospective borrowers will need to call or visit in person to understand qualification requirements and actual costs of borrowing.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Cash Advance Centers of KY is a registered company, headquartered in 1328 Versailles Rd, Lexington, KY 40504.
CreditDoc Diagnosis
Cash Advance Centers of KY is best for Lexington-area residents needing quick emergency cash who prefer local, in-person service. The primary caveat is the complete lack of online transparency—borrowers cannot research rates, fees, or terms before calling or visiting, making it impossible to comparison shop or verify affordability beforehand.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-04-15
Bowling Green, KY Advance America payday loan store at 2710 Nashville Rd offers fast cash advances and same-day title loans.
Best for: Employed individuals facing unexpected $100–$500 emergency expenses before next paycheck, Consumers with poor credit unable to qualify for bank personal loans or credit cards
Louisville, KY's Advance America at 3348 Hikes Ln offers fast payday and title loans with same-day service.
Best for: Consumers with bad or no credit who cannot qualify for bank loans or credit union products, People facing a genuine short-term financial emergency — medical bills, car repairs, or utility shutoffs — with no lower-cost options available
Louisville, KY's LendNation location at 2301 Dixie Hwy offers quick payday and title loans with same-day approval.
Best for: Consumers with bad or no credit who need $100–$500 quickly for a genuine short-term emergency, Unbanked or underbanked individuals who need check cashing without a bank account
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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