Service charge
Up to $15 per $100 of check face
15% of cash in hand
Independent provider directory
Kentucky storefronts: compare the cash you keep
Start with the cash needed for the bill—not the number printed on a check. Compare the contacts below, then ask how much you receive, what you repay and whether another transaction is still open.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
Database charge
$3 per transaction, may be passed on
It is already included in the service charge
Duration
At least 14 days; no more than 60 days
Every store offers 60 days
Published contacts in Kentucky
The contacts below are a selection, not the full state inventory. The four city guides linked on this page include additional profiles. Confirm the exact service and hours with the named business.
Louisville
Cash Express — Preston Highway
2602 Preston Hwy, Louisville, KY 40217
Map-directory contact. Published Mon–Fri 9:30am–5:30pm; Sat 9:30am–2pm. Sunday hours were not established. Call to confirm the branch and current deferred-deposit service before travel. [KY03]
Lexington
Cash Express — North Broadway
671 N Broadway, Lexington, KY 40508
Map-directory contact. Published Mon–Fri 9:30am–5:30pm; Sat 9:30am–2pm; Sunday not established. Ask for a written quote showing check amount, service charge and database fee separately. [KY04]
The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.
Choose your starting point
You are looking in Louisville or Lexington
Use the exact street and phone in the contact cards. These are published directory contacts, not a promise that a counter is open today. Ask whether your application can be completed there.
You are looking in Bowling Green or Owensboro
These cities belong to this state directory, but no branch in either city is represented by the two cards below. Use the operator’s locator and verify the returned street; do not treat a different Kentucky city as nearby.
You already have an outstanding transaction
Take the remaining balance and agreement date into the conversation. Another storefront is not a fresh allowance. Ask the provider to explain the database result rather than submitting repeated requests.
What the 2026 change means for your quote
The enacted framework uses a $600 statutory base for total proceeds across open transactions, with later CPI orders possible and an $850 ceiling on those orders. The ceiling is not an offer of $850. Confirm the currently applicable adjustment with Kentucky DFI. [KY01]
| Item | Basis to check | What not to assume |
|---|---|---|
| Service charge | Up to $15 per $100 of check face | 15% of cash in hand |
| Database charge | $3 per transaction, may be passed on | It is already included in the service charge |
| Duration | At least 14 days; no more than 60 days | Every store offers 60 days |
| Open transactions | No more than two; aggregate proceeds restriction | Each company gives a separate maximum |
A check-face example, not a store offer
Suppose a hypothetical $200 check carries a $30 service charge, with the $3 database charge also deducted from delivery. Net cash is $167 and the check repayment is $200. This illustration uses the check-face basis; it is not a quote from either business.
| Your worksheet | Amount | Meaning |
|---|---|---|
| Check due | $200 | Obligation on the agreed date |
| Service charge | $30 | 15% of check face |
| Database charge deducted | $3 | Separate disclosed charge |
| Net cash available | $167 | $200 − $30 − $3 |
| Gap on a $180 bill | $13 | Still not covered |
A fee paid separately rather than withheld changes delivery cash, not the need to budget that fee. Ask the employee to reconcile the receipt and contract.
Plan one useful visit rather than several requests
Bring the information the chosen provider asks for, and check its document list before leaving home. Prepare your next reliable income date and essential expenses through that date. If a requested amount does not cover the bill after charges, ask the biller about splitting the payment before increasing the request. A branch’s closing time is not a guaranteed application cutoff.
Know who is operating the counter
Match the legal business and street to the Kentucky regulator’s records. A directory entry, familiar sign or website is not a license certificate. Use Kentucky DFI for a conflicting license name or regulatory question. Never send identification or bank credentials to the contact form of an unrelated directory. [KY02]
Keep repayment and a new application separate
Kentucky’s framework prohibits fee-based renewal, rollover or consolidation of the deferred-deposit transaction. Contact the actual provider before the due date when repayment will not fit; ask for available arrangements in writing. Taking a new loan elsewhere does not erase the existing obligation. [KY01]
Leave with four answers you can use
Before signing, be able to state the net cash, all charges, exact repayment date and payment method. Keep the agreement and the receipt. If the payment would consume money reserved for rent, food or transport, use the affordability worksheet or pause the borrowing route. The directory helps you contact a business; it does not select a creditor or submit an application for you.
Questions before continuing
Are these Bottom Dollar branches?
No. The listed businesses are third parties. Their calls and website links go to the operator; Bottom Dollar does not own or staff these counters.
Is $850 available now?
It is the ceiling for statutory adjustment orders, not a currently verified loan allowance or an approval amount. The enacted base is $600; check any applicable current order. [KY01]
Does the second contact count as another loan allowance?
No. The relevant open-transaction and aggregate restrictions apply beyond a single visit. Ask for an explanation of any ineligibility rather than trying multiple counters.
Related decisions
Explore city guides
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
