Best Personal Loan Rates in Bays, Kentucky - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Bays, Kentucky include: CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 4.37% offering 2022 or newer Loan at 3.99% APR, Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 24 months Loan at 4.39% APR, KUE Federal Credit UnionKUE Federal Credit UnionA+5.0 ★Texas Ratio: 2.68% offering New Loan at 4.75% APR, Transcend Credit UnionTranscend Credit UnionA+5.0 ★Texas Ratio: 0.91% offering Model Year 2022 - 2023 Loan at 4.94% APR, and Daviess County Teachers Federal Credit UnionDaviess County Teachers Federal Credit UnionA5.0 ★Texas Ratio: 6.37% offering 2022-2020 Loan at 5.25% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Bays borrowers have access to 30 lenders serving the Kentucky area, with personal loan rates as low as 3.99% APR from CLASS ACT. Use the tabs below to compare all available personal loan types. 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 Bays, Kentucky.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bays, 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: June 29, 2026
Bays Personal Loan Rates
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As Low As
Minimum balance of $20,000 required.
Purchase APR as low as*; Refinance APR as low as**
Purchase APR as low as*; Refinance APR as low as**
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Purchase APR as low as*; Refinance APR as low as**
Purchase APR as low as*; Refinance APR as low as**
Purchase APR as low as*; Refinance APR as low as**
Purchase APR as low as*; Refinance APR as low as**
As Low As
As Low As
Minimum balance of $30,000 required.
As Low As
As Low As
Purchase APR as low as*; Refinance APR as low as**
Purchase APR as low as*; Refinance APR as low as**
As Low As
As Low As; APR*
Purchase APR as low as*; Refinance APR as low as**
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
No additional details available.
As Low As
As Low As
No additional details available.
Purchase APR as low as*; Refinance APR as low as**
As Low As
Purchase APR as low as*; Refinance APR as low as**
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Purchase APR as low as*; Refinance APR as low as**
As Low As
As Low As; Minimum loan amount not specified.
Not Rate Priced
No additional details available.
Credit Score 850-680
No additional details available.
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Credit Score 640-679
No additional details available.
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Credit Score 850-680
No additional details available.
No additional details available.
Apply for up to $10,000.00 on your signature. Rates are subject to credit worthiness and other certain requirements.
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Credit Score 600-639
Credit Score 640-679
No additional details available.
Credit Score: 680+; Credit Grade: A+/A
View rates page for full disclosure details.
Credit Score: 680+; Grade: A+/A
No additional details available.
Credit Score 850-680
As Low As; Unsecured
No additional details available.
See notes below for details on ***
Credit Score 640-679
As Low As
Credit Score 600-639
As Low As
As Low As
Representation Example**: $5,000 loan for 60 months = $106.12/mo.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
No additional details available.
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As Low As; FIXED RATE
As Low As; *
Credit Score 850-680
As Low As; Unsecured
As Low As; Minimum loan amount not specified.
As Low As
Base Rate - .50%
Representation Example**: $2,500 loan for 60 months = $53.62/mo.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Credit Score 600-639
Credit Score 640-679
As Low As
As Low As
As Low As; Loan Amount: $500 - $50,000
As Low As; 11.00% APR
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As low as 10.99% Annual Percentage Rate
No additional details available.
As Low As
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As; *
Credit Score 600-639
Credit Score 850-680
Credit Score: 600-679; Credit Grade: B/C
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Credit Score: 640-679; Grade: B
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
As Low As
As Low As
$7,500; Reflects AutoPay .25% deduction
$7,499.99; Reflects AutoPay .25% deduction
No additional details available.
Representation Example**: $1,000 loan for 60 months = $22.42/mo.
As Low As; Fixed
Credit Score 640-679
No additional details available.
As Low As; As Low As
As Low As;*
As Low As;*
No additional details available.
Credit Score 600-639
No additional details available.
As Low As
As Low As; Fixed
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
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Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score: 600-639; Grade: C
Representation Example**: $500 loan for 6 months at 12% = $86.14/mo.
Credit Score: 599 or less; Credit Grade: D/E
Credit Score: 599 or less; Grade: D/E
Minimum loan amount: $300.00, Maximum loan amount: $500.00
Representation Example**: $500 loan for 6 months at 12% = $86.14/mo.
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
No additional details available.
Up to $1,000, $20 Application Fee
No additional details available.
Bays Personal Loan Rates
As Low As
See notes below for details on ***
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As; Loan Amount: $500 - $50,000
As Low As; 11.00% APR
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As low as 10.99% Annual Percentage Rate
No additional details available.
As Low As
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
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As Low As;*
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As Low As
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Bays Debt Consolidation Loan Rates
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
No additional details available.
Bays Signature Loan Rates
Not Rate Priced
Credit Score 850-680
No additional details available.
Credit Score 640-679
Credit Score 850-680
No additional details available.
Apply for up to $10,000.00 on your signature. Rates are subject to credit worthiness and other certain requirements.
Credit Score 600-639
Credit Score 640-679
Credit Score 850-680
View rates page for full disclosure details.
No additional details available.
No additional details available.
See notes below for details on ***
As Low As
Credit Score 600-639
Credit Score 640-679
As Low As
As Low As; FIXED RATE
Credit Score 850-680
Base Rate - .50%
As Low As; Minimum loan amount not specified.
Credit Score 600-639
Credit Score 640-679
As Low As
As Low As; *
Credit Score 600-639
Credit Score 850-680
As Low As; Fixed
Credit Score 640-679
As Low As; As Low As
Credit Score 600-639
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score 555-599, 90% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Bays, KY Personal Loan Rate Trends
Compare local Bays, KY 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.
Kentucky personal loan rates rose 0.104 points over the past 7 days to 11.875% APR.
Kentucky signature loan rates fell 0.033 points over the past 7 days to 10.870% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bays, Kentucky personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Bays, Kentucky directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Bays, Kentucky. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in KY.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Kentucky?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Kentucky?
Are credit unions or banks better for personal loans in Bays, Kentucky?
What are the best personal loan rates in Bays, Kentucky?
- CLASS ACT: 3.99% (2022 or newer Loan)
- Delta Community Credit Union: 4.39% (24 months Loan)
- KUE Federal Credit Union: 4.75% (New Loan)
- Transcend Credit Union: 4.94% (Model Year 2022 - 2023 Loan)
- Daviess County Teachers Federal Credit Union: 5.25% (2022-2020 Loan)
Personal Loan Calculators
