Best Personal Loan Rates in Florence, Kentucky (KY) - May 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 Florence, Kentucky include: Northern Kentucky Federal Credit UnionNorthern Kentucky Federal Credit Union6720 Dixie Hwy, Florence, KY, 41042 2108A+5.0 ★Texas Ratio: 2.13% offering Unsecured Loans at 9.00% APR, General Electric Credit UnionGeneral Electric Credit Union8659 US Highway 42, Florence, KY, 41042 8531A5.0 ★Texas Ratio: 7.74% offering Signature Loans at 9.75% APR, Kemba Credit UnionKemba Credit Union5935 Merchants St, Florence, KY, 41042 1198A5.0 ★Texas Ratio: 6.17% offering Personal Loan at 13.12% APR, Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit UnionA+5.0 ★Texas Ratio: 1.44% offering Signature Loans at 4.75% APR, and Lexington Postal Community Credit UnionLexington Postal Community Credit UnionA+5.0 ★Texas Ratio: 1.39% offering DEBT RESTRUCTURE at 6.24% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Florence has 3 local institutions in our database, with personal loan rates as low as 9.00% APR from Northern Kentucky Federal Credit Union at 6720 Dixie Hwy, Florence, KY, 41042 2108. 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 Florence, Kentucky.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Florence, 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 12, 2026
Credit Score 680+
As Low As
As Low As
As Low As
Credit Score 640-679
As Low As
Credit Score 600-639
Credit Score 599 or less
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Used Vehicle Loan; no cash out
As Low As
No additional details available.
$9,500 A 850-680
No additional details available.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
$5,000 B 640-679
As Low As
No additional details available.
As Low As; Up to $2,000
$9,500 A 850-680
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Personal Loan
$5,000 B 640-679
$3,500 C 600-639
No additional details available.
No additional details available.
No additional details available.
*View rates page for full disclosure details.
$9,500 A 850-680
As Low As
As Low As
Personal Loan
No additional details available.
As Low As
As Low As
As Low As
As Low As
$5,000 B 640-679
No additional details available.
Personal Loan
$3,500 C 600-639
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Personal Loan
No additional details available.
As Low As
$9,500 A 850-680
As Low As
As Low As
As Low As
As Low As
$3,500 C 600-639
$5,000 B 640-679
Personal Loan
No additional details available.
As Low As; Up to $10,000
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
$3,500 C 600-639
$9,500 A 850-680
No additional details available.
As Low As; APR may vary depending on creditworthiness and term of loan.
No additional details available.
No additional details available.
As Low As
As Low As; Fixed
$5,000 B 640-679
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
$3,500 C 600-639
No additional details available.
As Low As
As Low As; Fixed
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
No additional details available.
As Low As
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
No additional details available.
No additional details available.
Up to $1,000, $20 Application Fee
As Low As
As Low As
As Low As
No additional details available.
As Low As
Personal Loan
As Low As
Personal Loan
As Low As
Personal Loan
As Low As
Personal Loan
Personal Loan
No additional details available.
As Low As
As Low As; Up to $10,000
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; APR may vary depending on creditworthiness and term of loan.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
Used Vehicle Loan; no cash out
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
$9,500 A 850-680
No additional details available.
No additional details available.
$5,000 B 640-679
$9,500 A 850-680
As Low As
No additional details available.
$3,500 C 600-639
$5,000 B 640-679
As Low As
No additional details available.
$9,500 A 850-680
*View rates page for full disclosure details.
No additional details available.
As Low As
$3,500 C 600-639
$5,000 B 640-679
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
$9,500 A 850-680
$3,500 C 600-639
$5,000 B 640-679
As Low As
$3,500 C 600-639
$9,500 A 850-680
No additional details available.
As Low As; Fixed
$5,000 B 640-679
No additional details available.
As Low As
$3,500 C 600-639
No additional details available.
No additional details available.
No additional details available.
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
$800 D-90% LTV 555-599
No additional details available.
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
$500 E-85% LTV Under 554
No additional details available.
No additional details available.
Florence, KY Personal Loan Rate Trends
Compare local Florence, 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 1.481 points over the past 7 days to 12.757% APR.
Kentucky signature loan rates rose 0.236 points over the past 7 days to 10.917% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florence, 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 Florence, 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 Florence, 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 Florence, Kentucky?
What are the best personal loan rates in Florence, Kentucky?
- Northern Kentucky Federal Credit Union: 9.00% (Unsecured Loans)
- General Electric Credit Union: 9.75% (Signature Loans)
- Kemba Credit Union: 13.12% (Personal Loan)
- Louisville Gas & Electric Company Credit Union: 4.75% (Signature Loans)
- Lexington Postal Community Credit Union: 6.24% (DEBT RESTRUCTURE)
Personal Loan Calculators
