- Payday loans in Coldstream follow Kentucky law (KRS 286.9 (deferred deposit transactions)).
- Borrowing $300 at the state maximum costs $45 ($15 per $100).
- The nearest larger city is Jeffersontown, about 8 miles away.
Coldstream at a glance
| Coldstream | |
|---|---|
| Population (2024 Census estimate) | 1,322 |
| Change since 2020 | +2.2% (growing) |
| County | Jefferson County |
| Size rank among 359 Kentucky places we cover | 183rd |
| Nearest larger city | Jeffersontown (about 8 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Jefferson County | 14 |
| Other towns within 25 miles | 90 (about 887,773 residents) |
| Typical payday APR statewide (CRL 2023) | 450% |
There is no separate Coldstream payday law: Kentucky rules apply here, and any lender serving Coldstream residents, online or in person, needs a license from the Kentucky Department of Financial Institutions.
Credit unions near Coldstream
No credit union has its main office in Coldstream, but these are based elsewhere in Jefferson County (NCUA, June 2026):
- Class Act Federal Credit Union in Louisville (federal charter — may offer payday alternative loans (PALs))
- L & N Federal Credit Union in Louisville (federal charter — may offer payday alternative loans (PALs))
- K I T Federal Credit Union in Louisville (federal charter — may offer payday alternative loans (PALs))
- Advanz Federal Credit Union in Louisville (federal charter — may offer payday alternative loans (PALs))
- Msd Federal Credit Union in Louisville (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Coldstream
In short, Kentucky rules that cover Coldstream include: maximum: $600 in total proceeds under 2026 legislation (SB 219), indexed to inflation up to $850; previously $500; maximum fee: $15 per $100; loan term: 14 to 60 days. See the full Kentucky payday loan rules.
What a $300 loan costs in Coldstream
The Center for Responsible Lending put the typical APR on a $400 payday loan in Kentucky at 450% (June 2023). For $300 at the state maximum, expect $45 ($15 per $100). Check any offer with our payday loan calculator.
Other help in Jefferson County before you borrow
Before a payday loan, Coldstream residents can usually find something cheaper:
- Local assistance through 211 covering Jefferson County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Coldstream
- Worthington Hills · 0 mi
- Orchard Grass Hills · 1 mi
- Fincastle · 1 mi
- Pewee Valley · 2 mi
- Creekside · 3 mi
- Anchorage · 3 mi
The nearest larger city is Jeffersontown, about 8 miles away. See all 359 Kentucky cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Coldstream?
Yes. Payday loans are legal in Coldstream under Kentucky state law, and lenders must be licensed by the Kentucky Department of Financial Institutions.
How much does a payday loan cost in Coldstream?
At Kentucky’s maximum fee, borrowing $300 costs $45 ($15 per $100). The typical statewide APR was 450% in 2023.
Where is the nearest credit union to Coldstream?
No credit union is headquartered in Coldstream, but Class Act Federal Credit Union is based in Louisville, also in Jefferson County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- KRS 286.9-100
- Kentucky Acts 2026, ch. 98 (SB 219)
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary