STATE PRODUCT DISCLOSURE
MVP Cash Advance publishes only the state/product role supported by current operating and legal records. The agreement presented for a specific transaction identifies the responsible legal provider, amount, charges, payment dates and rights. This disclosure does not create an approval or replace the agreement.
Kentucky’s deferred-deposit framework uses a statewide database and a current aggregate proceeds limit. The $600 limit effective July 15, 2026 is shown with the possibility of future annual CPI adjustment, subject to the statutory $850 ceiling.
Deferred deposit / check-cashing framework
A Kentucky deferred-deposit path is available only when the current licensed product/provider role supports it and the required state database check is available.
Kentucky Department of Financial Institutions (DFI)
August 22, 2026 • Natalie Randrup
| Topic | Current disclosure |
|---|---|
| Maximum proceeds | Total proceeds from all open deferred-deposit transactions may not exceed $600 effective July 15, 2026. The commissioner may adjust the maximum annually by CPI, but the statutory ceiling is $850. |
| Number of open transactions | No more than two open deferred-deposit transactions from the customer at one time. |
| Service fee | Maximum $15 per $100 on the face amount, prorated; the fee period is at least 14 days. |
| Maximum hold | A licensee may not agree to hold the deferred-deposit transaction for more than 60 days. |
| Renewal | A licensee or affiliate may not, for a fee, renew, roll over or otherwise consolidate the deferred-deposit transaction. |
| Eligibility database | Kentucky uses a real-time deferred-presentment transaction database. |
Before amount selection, the Kentucky decision view separately shows the current $600 statutory limit (and any later commissioner adjustment), total open proceeds and transaction count.
MVP Cash Advance publishes only the state/product role supported by current operating and legal records. The agreement presented for a specific transaction identifies the responsible legal provider, amount, charges, payment dates and rights. This disclosure does not create an approval or replace the agreement.
Kentucky Department of Financial Institutions (DFI): View source →
Return to /locations/kentucky/ for the commercial product experience and calculator.
Kentucky Revised Statutes § 286.9-100: View source →
Kentucky DFI — Search for a Licensee: View source →
Kentucky DFI — File a Complaint: View source →
Last reviewed: August 22, 2026. Reviewed by Natalie Randrup — Lending Compliance & Documentation Reviewer. Re-check when law, product, privacy, messaging or location operations materially change.
I used the site from my phone and didn’t run into much trouble. The repayment dates were easy to follow and lined up reasonably well with my paycheck. I appreciated that I could stop and review things before moving on.
I had an unexpected expense come up and this was simple to work through. This helped me cover a rent gap without having to move three other bills around.
Needed a little breathing room and the online process was pretty smooth. The online form was easy to follow and I didn’t have to guess what came next. I still read the repayment details carefully, but there were no surprises for me.
Needed a little breathing room and the online process was pretty smooth. Being able to make an earlier payment makes me feel better about the total cost. No long story here — it did what I needed it to do.
Overall it was a good experience, just not perfect. This helped me cover a medical bill without having to move three other bills around. Good overall, just make sure the payment dates work with your budget.
Keep your amount, state and repayment preference in view as you continue through MVP Cash Advance.
