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AR Collections Representative Salary in Kentucky

How much does an AR Collections Representative make in Kentucky? As of September 01, 2026, the average salary for an AR Collections Representative in Kentucky is $36,755 per year, which breaks down to an hourly rate of $18.

However, an AR Collections Representative's salary can vary significantly. Here's a look at the typical salary range:

  • Top Earners (90th percentile): $41,537
  • Majority Range (25th-75th percentile): $33,715 to $39,258
  • Entry-Level (10th percentile): $30,947
Salary Factors Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Check out AR Collections Representative Job Openings in Kentucky

Key Factors That Influence AR Collections Representative Salaries

An AR Collections Representative's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects AR Collections Representative Salaries?

Experience is a primary driver of an AR Collections Representative's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Entry-Level (less than 1 year): $36,234
  • Early Career (1-2 years): $40,375
  • Mid-Level (2-4 years): $44,682
  • Senior-Level (5-8 years): $62,179
  • Expert (over 8 years): $217,456
Job RoleYears of ExperienceAverage Salary
AR Collections Representative less than 1 year $36,234
Collections Representative II 1-2 years $40,375
Collections Representative III 2-4 years $44,682
Collections Supervisor 5-8 years $62,179
VP of Collections over 8 years $217,456

How Do AR Collections Representative Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract AR Collections Representatives. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $43,247.
  • California: $43,083.
  • Massachusetts: $42,508.

Top Paying Cities for AR Collections Representative

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • Graham: $35,488
  • Greenville: $35,365
  • Hartford: $35,550

AR Collections Representative Salary by Industry: Top Paying Sectors

For AR Collections Representative roles, the industry you choose can affect earning potential by as much as 60% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Pharmaceuticals sectors offer the strongest compensation, at 30% above the average. In contrast, AR Collections Representative positions in Edu., Gov't. & Nonprofit or Hospitality & Leisure typically offer lower base pay, as these industries often view AR Collections Representative as a support function rather than a direct revenue driver.

The top paying industries for an AR Collections Representative

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services $47,781 $23.0 30%
Pharmaceuticals $45,944 $22.0 25%
Software & Networking $44,106 $21.0 20%
Biotechnology $42,268 $20.0 15%
Internet $42,268 $20.0 15%

AR Collections Representative Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an AR Collections Representative's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

  • Yearly
  • Monthly
  • Weekly
  • Hourly
  • Table View
Last Updated on September 01, 2026
$33,715
Average $36,755/year
$39,258
$2,810
Average $3,063/month
$3,272
$648
Average $707/week
$755
$16
Average $18/hour
$19
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $39,258 $3,272 $755 $19
Average $36,755 $3,063 $707 $18
25th Percentile $33,715 $2,810 $648 $16

Find Your Next AR Collections Representative Job

Ready to take the next step in your career? Browse thousands of current AR Collections Representative job openings on our job board. Use the search bar below to find your perfect match.

  • Swoop | Corbin, KY

    AR Collections Specialist

    Swoop | Corbin, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

  • Swoop | Frankfort, KY

    AR Collections Specialist

    Swoop | Frankfort, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

  • Swoop | Glasgow, KY

    AR Collections Specialist

    Swoop | Glasgow, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

  • Swoop | Hopkinsville, KY

    AR Collections Specialist

    Swoop | Hopkinsville, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

  • Swoop | Nicholasville, KY

    AR Collections Specialist

    Swoop | Nicholasville, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

  • Swoop | Paducah, KY

    AR Collections Specialist

    Swoop | Paducah, KY

    [Accounts Receivable / Remote] - Anywhere in U.S. / $20 to $30-hr / Comprehensive Employee Benefits Package - As an AR Collections Specialist at Swoop, you... more

    11 Days Ago

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Salary.com salary estimates, histograms, trends, and comparisons are derived from both employer job postings and third-party data sources. We also provide multiple percentiles of salary information for your reference, click here to know Why the Salary Midpoint Formula Is Crucial to Getting Pay Equity Right. With more online, real-time compensation data than any other website, Salary.com helps you determine your exact pay target.

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