Best Personal Loan Rates in Kentucky (KY) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Kentucky borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Kentucky include: Lexington Postal Community Credit UnionLexington Postal Community Credit Union124 Louie Pl, Lexington, KY, 40511A+5.0 ★Texas Ratio: 1.39% offering DEBT RESTRUCTURE at 6.24% APR, Signet Federal Credit UnionSignet Federal Credit Union163 Pecan CT, Paducah, KY, 42001A+5.0 ★Texas Ratio: 3.03% offering Recreational Loans at 6.46% APR, Members Choice Credit Union Ashland, KYMembers Choice Credit Union Ashland, KY1315 CANNONSBURG RD, ASHLAND, KY, 41102A5.0 ★Texas Ratio: 7.39% offering Adventure Loans at 7.24% APR, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 0.00% offering Personal Loan at 7.74% APR, and Advanz Federal Credit UnionAdvanz Federal Credit Union9600 Ormsby Station Rd, Louisville, KY, 40223 4008A+5.0 ★Texas Ratio: 1.61% offering Vacation & Holiday Loans at 7.90% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Kentucky side-by-side. Kentucky personal loan rates currently start as low as 6.24% APR from Lexington Postal Community Credit Union at 124 Louie Pl, Lexington, KY, 40511. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Kentucky.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kentucky. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 2, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
DEBT RESTRUCTURE
6.24%
▼
APR6.24%
Last UpdatedMay 5, 2026
Details
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
163 Pecan CT, Paducah, KY, 42001
Recreational Loans
6.46%
▼
APR6.46%
Last UpdatedMay 5, 2026
Details
As Low As; Recreational Loans
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
SIGNATURE LOAN SPECIAL
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
Signature Special
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Adventure Loans
7.24%
▼
APR7.24%
Last UpdatedMay 5, 2026
Details
As Low As; Apply Today
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 5, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Solar Loans
7.75%
▼
APR7.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Vacation & Holiday Loans
7.90%
▼
APR7.90%
Last UpdatedMay 5, 2026
Details
As Low As; Up to $2,000
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Solar Loans
8.00%
▼
APR8.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Fixed Equity Rich Loan
8.02%
▼
APR8.02%
Last UpdatedMay 5, 2026
Details
No additional details available.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Fixed Equity Rich Loan
8.20%
▼
APR8.20%
Last UpdatedMay 5, 2026
Details
No additional details available.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Solar Loans
8.25%
▼
APR8.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 5, 2026
Details
Rates are subject to credit worthiness and other certain requirements.
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Solar Loans
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
As Low As; APR* as low as 8.50%
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY, 42003 8004
Miscellaneous Collateral Loan (e.g. Computers & Lawn Mowers)
8.75%
▼
APR8.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY, 42003 8004
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
As Low As; 9.00%
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
As Low As; Unsecured Signature Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY, 42003 8004
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
Maximum Loan Amount: $50,000
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As; APY*
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Vacation Loans
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
440 Park Pl, Lexington, KY, 40511 1829
Signature Loan (fixed)
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY, 42104
Lifestyle Loan/Personal
9.90%
▼
APR9.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Personal Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Holiday Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Vacation Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY, 40219
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
APR as low as
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; 10.00%
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; Unsecured Signature Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY, 40214
Personal/Signature
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; Personal/Signature
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY, 42104
Lifestyle Loan/Personal
10.40%
▼
APR10.40%
Last UpdatedMay 5, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMay 5, 2026
Details
As Low As
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As; Up to $10,000
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY, 40223 2002
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedMay 5, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
Signature/Unsecured
11.49%
▼
APR11.49%
Last UpdatedMay 5, 2026
Details
As Low As; Signature/Unsecured
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
As Low As; Apply Today
Service One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.56%
1609 Campbell Ln, Bowling Green, KY, 42104
Lifestyle Loan/Personal
12.40%
▼
APR12.40%
Last UpdatedMay 5, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY, 40517 2065
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 5, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Signature
12.66%
▼
APR12.66%
Last UpdatedMay 5, 2026
Details
As Low As
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY, 41042 1198
Personal Loan
13.12%
▼
APR13.12%
Last UpdatedMay 5, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedMay 5, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 5, 2026
Details
As Low As
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY, 40517 2065
Ultra Loan (Unsecured)
13.99%
▼
APR13.99%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 5, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Hardship Emergency Loan Program (HELP)
18.00%
▼
APR18.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Quick Cash Loan
24.00%
▼
APR24.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CLASS ACT
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3620 Fern Valley Rd, Louisville, KY, 40219 1917
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 5, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 5, 2026
Details
As Low As; APR* as low as 8.50%
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
Maximum Loan Amount: $50,000
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
717 Harvard Dr, Owensboro, KY, 42301 6185
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
APR as low as
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY, 40351 1539
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
9600 Ormsby Station Rd, Louisville, KY, 40223 4008
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As; Up to $10,000
Brown Forman Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
13201 DATA VAULT DR, LOUISVILLE, KY, 40223 2002
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1900 Southeastern Pkwy, Owensboro, KY, 42303
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2960 Squirrel Tail Hollow Rd, Hawesville, KY, 42348
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedMay 5, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
1315 CANNONSBURG RD, ASHLAND, KY, 41102
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 5, 2026
Details
As Low As; Apply Today
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1207 Ashley Cir, Bowling Green, KY, 42104 3383
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 5, 2026
Details
As Low As
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
5935 Merchants St, Florence, KY, 41042 1198
Personal Loan
13.12%
▼
APR13.12%
Last UpdatedMay 5, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 5, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
DEBT RESTRUCTURE
6.24%
▼
APR6.24%
Last UpdatedMay 5, 2026
Details
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Motor Manufacturing, Hebron, KY, 41048
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 5, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
SIGNATURE LOAN SPECIAL
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
Signature Special
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 5, 2026
Details
Rates are subject to credit worthiness and other certain requirements.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY, 42003 8004
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3000 Highway 144, OWENSBORO, KY, 42303 0215
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 5, 2026
Details
As Low As; Unsecured Signature Loan
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
2500 Lone Oak Rd, Paducah, KY, 42003 8004
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
417 High St, Frankfort, KY, 40601
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
Maximum Loan Amount: $50,000
Expree Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
100 Moore Dr, Frankfort, KY, 40601 8295
Signature Loans
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As; APY*
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
440 Park Pl, Lexington, KY, 40511 1829
Signature Loan (fixed)
9.75%
▼
APR9.75%
Last UpdatedMay 5, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
9711 Linn Station Rd, Louisville, KY, 40223 3804
Personal Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY, 40219
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1 Quality St, Lexington, KY, 40507 1428
Unsecured Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; Unsecured Signature Loan
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY, 40214
Personal/Signature
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; Personal/Signature
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
124 Marshall Ln, Highland Heights, KY, 41076 1440
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMay 5, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
Signature/Unsecured
11.49%
▼
APR11.49%
Last UpdatedMay 5, 2026
Details
As Low As; Signature/Unsecured
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
3620 Walden Dr Ste 100, Lexington, KY, 40517 2065
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1211 Carter Ave, Ashland, KY, 41101 7514
Signature
12.66%
▼
APR12.66%
Last UpdatedMay 5, 2026
Details
As Low As
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No home improvement personal loan rates found in Kentucky currently.
Kentucky Personal Loan Rate Trends
Compare local Kentucky personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — KY Avg
10.693%
▼ 2.082 vs 7 days ago
Kentucky personal loan rates fell 2.082 points over the past 7 days to 10.693% APR.
Signature Loan — KY Avg
9.981%
▼ 0.565 vs 7 days ago
Kentucky signature loan rates fell 0.565 points over the past 7 days to 9.981% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Kentucky?
Most lenders in Kentucky require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Kentucky often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Kentucky require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Kentucky?
Yes. Debt consolidation is one of the most common uses of personal loans in Kentucky. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Kentucky?
Credit unions in Kentucky often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Kentucky?
- Lexington Postal Community Credit Union: 6.24% (DEBT RESTRUCTURE)
- Signet Federal Credit Union: 6.46% (Recreational Loans)
- Members Choice Credit Union Ashland, KY: 7.24% (Adventure Loans)
- CLASS ACT: 7.74% (Personal Loan)
- Advanz Federal Credit Union: 7.90% (Vacation & Holiday Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026.
