- Payday loans in Irvine 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 Richmond, about 18 miles away.
Irvine at a glance
| Irvine | |
|---|---|
| Population (2024 Census estimate) | 2,287 |
| Change since 2020 | -3.1% (shrinking) |
| County | Estill County |
| Size rank among 359 Kentucky places we cover | 134th |
| Nearest larger city | Richmond (about 18 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 11 (about 86,411 residents) |
| Typical payday APR statewide (CRL 2023) | 450% |
Whether you borrow at a storefront in Richmond or online from Irvine, the lender must hold a Kentucky license from the Kentucky Department of Financial Institutions and follow state limits.
Credit unions near Irvine
NCUA data (June 2026) shows no credit union headquartered in Irvine or Estill County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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.
Payday loan rules that apply in Irvine
Key Kentucky limits that apply to Irvine borrowers: 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 Irvine
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 Estill County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Irvine that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Irvine
The nearest larger city is Richmond, about 18 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 Irvine?
Yes. Payday loans are legal in Irvine under Kentucky state law, and lenders must be licensed by the Kentucky Department of Financial Institutions.
How much does a payday loan cost in Irvine?
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 Irvine?
NCUA data shows no credit union headquartered in Irvine or its county. Use the NCUA credit union locator to find branches and online credit unions.
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