Home›State rule guide›Kentucky Payday Loans: 2026 $600 Limit, $15/$100 Fee & Database

State rule guide

Kentucky Payday Loans: 2026 $600 Limit, $15/$100 Fee & Database

Check Kentucky’s 2026 deferred-deposit rules, including the $600 total-open-proceeds limit, $15-per-$100 service fee and $3 database transaction fee.

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✓Availability✓Limits✓Licensing

Check the actual providerConfirm who makes the credit decision.

Normalize the costCompare fees, APR, total due and dates.

Stress-test repaymentProtect essential cash after the payment.

Complete guide

Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

Kentucky’s 2026 change makes stale $500 pages unsafe

SB 219 changed the total-open-proceeds ceiling to $600 and created a future annual adjustment mechanism with an $850 cap. Payday Hex versions the page from the 2026 effective change rather than carrying forward old copy. KY_SB219

Future statutory adjustments require version control

Because the amount ceiling can change through the statutory mechanism, the page carries a source-check date and expires the cached cap rather than treating $600 as permanent.

Decision table

State field	Current rule
Total proceeds across open transactions	$600 under 2026 SB 219, with future annual adjustment mechanism capped at $850
Service fee	Up to $15 per $100 of face amount, prorated
Fee period	At least 14 days
Database transaction fee	$3 under the amended statute/regulation
Database	Kentucky Deferred Presentment Transaction System used for open-transaction compliance

Interactive decision tool

State range checker

Test the requested amount against the rule summarized on this page.

1Enter→2Compare→3Verify

Amount requested$Rule maximum shown here$

Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

From state rule to final provider check

A statutory ceiling is not an approval amount.

StartState ruleProduct status and maximum.

ThenOpen loansDatabase or provider verification.

ResultEligible rangeProvider confirms the amount.

What controls the decision

State ruleApply

Open loansVerify

ProviderConfirm

3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Lawful routeProduct allowed in the state?
2Amount checkWithin the state framework?
3Database checkOutstanding obligations verified?

Continue the guide

Apply the result to this decision

Use the remaining checks before moving to a provider form.

Product scenario

At the $15-per-$100 service-fee ceiling, a $300 face amount carries up to $45 in service fee, plus the current $3 database transaction fee if charged to the customer, for $48 in this simplified example.

Product objections / FAQ

Can Payday Hex guarantee a lender is available in this state? No. Live availability requires current provider and state-license evidence.

Are these state rules permanent? No. State law and regulator guidance can change; the page carries a source-check date and must be refreshed.

Does the maximum legal amount mean I should borrow that much? No. The affordability/paycheck tool can recommend a smaller amount or no borrowing.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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