I just found this about Kentucky's payday lending laws: Payday Lending is legal in Kentucky. If you choose to apply for a payday loan in the state of Kentucky, there are a few things that you should know about Kentucky's lending laws. Your loan period can range from seven to thirty days, and the loan amount can be as much as $500. The interest you pay can be as much as $15 per $100 borrrowed. Therefore, if you got a $500 loan, you would pay an extra $75 in interest for that loan.
I still cannot find out if my lenders are licensed or not.