Best Personal Loan Rates in Louisville, 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 Louisville, Kentucky include: CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 4.37% offering 2022 or newer Loan at 3.99% APR, Transcend Credit UnionTranscend Credit Union7215 Riverport Plaza Dr, Louisville, KY, 40258A+5.0 ★Texas Ratio: 0.91% offering Model Year 2022 - 2023 Loan at 4.94% APR, Beacon Community Credit UnionBeacon Community Credit Union7910 National Tpke, Louisville, KY, 40214A+5.0 ★Texas Ratio: 1.67% offering Revolving Credit Loan at 7.00% APR, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900A+5.0 ★Texas Ratio: 1.05% offering Signature Loans at 8.49% APR, and Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY3704 Frankfort Ave, Louisville, KY, 40207A+5.0 ★Texas Ratio: 2.47% offering Signature Cash Personal Loan at 9.49% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Louisville has 8 local institutions in our database, with personal loan rates as low as 3.99% APR from CLASS ACT at 3620 Fern Valley Rd, Louisville, KY, 40219 1917. 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 Louisville, Kentucky.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Louisville, 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
Louisville Personal Loan Rates
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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**
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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**
As Low As; APR*
Purchase APR as low as*; Refinance APR as low as**
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Purchase APR as low as*; Refinance APR as low as**
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Purchase APR as low as*; Refinance APR as low as**
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As Low As
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Purchase APR as low as*; Refinance APR as low as**
As Low As; Minimum loan amount not specified.
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Apply for up to $10,000.00 on your signature. Rates are subject to credit worthiness and other certain requirements.
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As Low As; FIXED RATE
As Low As; Minimum loan amount not specified.
As low as 10.99% Annual Percentage Rate
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As Low As;*
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Minimum loan amount: $300.00, Maximum loan amount: $500.00
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As Low As
Minimum balance of $20,000 required.
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As Low As
Minimum balance of $30,000 required.
As Low As
As Low As
As Low As
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
As Low As
As Low As
As Low As
As Low As
As Low As
Not Rate Priced
No additional details available.
Credit Score 850-680
Credit Score 640-679
Credit Score 850-680
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.
As Low As
As Low As
Credit Score 600-639
Credit Score 640-679
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.
As Low As; *
As Low As; Unsecured
As Low As
Credit Score 850-680
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
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.
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
Credit Score: 640-679; Grade: B
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
$7,499.99; Reflects AutoPay .25% deduction
$7,500; Reflects AutoPay .25% deduction
As Low As
As Low As
Representation Example**: $1,000 loan for 60 months = $22.42/mo.
As Low As; Fixed
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Credit Score 640-679
As Low As; As Low As
As Low As;*
Credit Score 600-639
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As Low As
As Low As; Fixed
Representation Example**: $1,000 loan for 12 months = $88.85/mo.
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Credit Score: 600-639; Grade: C
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
Representation Example**: $500 loan for 6 months at 12% = $86.14/mo.
Credit Score: 599 or less; Credit Grade: D/E
Credit Score Under 554, 85% LTV
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Credit Score Under 554, 85% LTV
Credit Score: 599 or less; Grade: D/E
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Credit Score Under 554, 85% LTV
Representation Example**: $500 loan for 6 months at 12% = $86.14/mo.
Up to $1,000, $20 Application Fee
Louisville Personal Loan Rates
As Low As
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As low as 10.99% Annual Percentage Rate
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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
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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Louisville Debt Consolidation Loan Rates
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
No additional details available.
Louisville Signature Loan Rates
No additional details available.
Apply for up to $10,000.00 on your signature. Rates are subject to credit worthiness and other certain requirements.
See notes below for details on ***
As Low As; FIXED RATE
As Low As; Minimum loan amount not specified.
Not Rate Priced
No additional details available.
Credit Score 850-680
Credit Score 640-679
Credit Score 850-680
Credit Score 600-639
Credit Score 640-679
View rates page for full disclosure details.
No additional details available.
Credit Score 850-680
No additional details available.
As Low As
Credit Score 600-639
Credit Score 640-679
As Low As
Credit Score 850-680
Base Rate - .50%
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
Louisville, KY Personal Loan Rate Trends
Compare local Louisville, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, Kentucky?
What are the best personal loan rates in Louisville, Kentucky?
- CLASS ACT: 3.99% (2022 or newer Loan)
- Transcend Credit Union: 4.94% (Model Year 2022 - 2023 Loan)
- Beacon Community Credit Union: 7.00% (Revolving Credit Loan)
- Louisville Federal Credit Union: 8.49% (Signature Loans)
- Commonwealth Credit Union Frankfort, KY: 9.49% (Signature Cash Personal Loan)
Personal Loan Calculators
