States › Kentucky › Payday loan, title loan, personal loan, or advance loan
Who in Kentucky is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Kentucky consumers filed 178 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 1 Oct 2026, up 71% on the 104 of the 12 months before. That is 3.90 per 100,000 residents, below the national 5.20.
The category makes up 0.7% of the state's complaints, against 0.3% nationally. 5.1% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 96.6% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from Kentucky, with their size
Ordered by complaints from Kentucky consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from KY, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 13 | 7.3% | no public measure |
| OneMain Finance Corporation | 8 | 4.5% | no public measure |
| Cash Express, LLC | 7 | 3.9% | no public measure |
| WLCC | 7 | 3.9% | no public measure |
| Wolf River Development Company | 6 | 3.4% | no public measure |
| Rosebud Economic Development Corporation | 5 | 2.8% | no public measure |
| Klarna AB | 5 | 2.8% | no public measure |
| Paramount GR Holdings, LLC | 5 | 2.8% | no public measure |
| All other companies, including those not listed by name | 122 | 68.5% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 0 of the 8 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 47 | 26.4% |
| Struggling to pay your loan | 34 | 19.1% |
| Problem with the payoff process at the end of the loan | 21 | 11.8% |
| Problem when making payments | 20 | 11.2% |
| Problem with additional add-on products or services | 16 | 9% |
| Getting the loan | 11 | 6.2% |
| Incorrect information on your report | 6 | 3.4% |
| Can't contact lender or servicer | 4 | 2.2% |
| Can't stop withdrawals from your bank account | 4 | 2.2% |
| Problem with a company's investigation into an existing problem | 2 | 1.1% |
| Other CFPB issue categories | 13 | 7.3% |
How companies responded
- Closed with explanation163 · 91.6%
- Closed with non-monetary relief8 · 4.5%
- Untimely response4 · 2.2%
- In progress2 · 1.1%
- All other categories1 · 0.6%
| Measure | Kentucky, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 3.90 | 5.20 |
| Closed with monetary or non-monetary relief | 5.1% | 5.6% |
| Responses marked timely | 96.6% | 94.6% |
Trend
Other products in Kentucky
Credit reporting or other personal consumer reports · 22,327Debt collection · 1,609Checking or savings account · 654Credit card · 598Money transfer, virtual currency, or money service · 311Mortgage · 262Vehicle loan or lease · 198Student loan · 171
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from Kentucky?
178 in the 12 months to 1 Oct 2026, 104 in the 12 months before and 375 since 2011.
Is that high for the population?
3.90 per 100,000 residents in Kentucky against 5.20 nationally.
Which issues come up most?
“Charged fees or interest you didn't expect” (26.4%), “Struggling to pay your loan” (19.1%), “Problem with the payoff process at the end of the loan” (11.8%), “Problem when making payments” (11.2%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.