Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / KY
Personal loans, banking, insurance, and debt help in Kentucky
Kentuckians use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
34lenders in the dataset
KYstate guide
$1,232/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Kentucky
Kentuckians use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
Interest-rate law
Kentucky personal loan rates are effectively uncapped for licensed lenders through two statutory routes depending on loan size: the Consumer Loan Companies Act allows the agreed rate for loans up to $15,000, and the general usury law caps loans of $15,000 or less at 19% but explicitly permits any rate above that threshold.
| Loan range | Rate | Statute |
|---|---|---|
| Up to $15,000, licensed lender | Agreed rate, no statutory ceiling | KRS 286.4-530 |
| $15,000 or less, general usury law | 19% (or 4 pts over regional Fed discount rate, whichever lower) | KRS 360.010 |
| Above $15,000, written contract | Any rate permitted | KRS 360.010 |
Lender complaints: Kentucky Department of Financial Institutions
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Fifth Third Bank
- Credit profile
- Not specified
- APR range
- 8.69% – 21.74%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Huntington Bank
- Credit profile
- Not specified
- APR range
- 8.47% – 25%
- Loan amount
- $0 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
Truist
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $3,500 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
Since Kentucky doesn't cap rates for licensed lenders the way most states do, there's no legal ceiling protecting borrowers from a consolidation loan priced at or above their existing credit card APR, so shopping around matters more than in states with a hard rate cap.
04 / Banking and credit unions
Banking in Kentucky
National banks offer scale and convenience while Kentucky-based regional and community banks compete on relationship banking and local decision-making.
Banks listed
- ChaseNational bank.
- PNC BankNational bank, headquartered in Pittsburgh, PA.
- US BankNational bank, headquartered in Minneapolis, MN.
- Fifth Third BankHeadquartered in Cincinnati, OH.
- Republic BankHeadquartered in Louisville, KY.
- Stock Yards BankHeadquartered in Louisville, KY.
- TruistHeadquartered in Charlotte, NC.
Credit unions
Kentucky credit unions are member-owned, not-for-profit institutions that often post lower rates and fewer fees than banks, with membership tied to location, employer, or association.
Median membership growth of about -2.1% year over year (Q4 2025 NCUA data), versus a national median of about -0.5%, even as median loan growth stayed positive (about 1.6%).
Abound Credit Union, the state's largest, began in 1950 as Fort Knox Civilian Employees Federal Credit Union. Transcend Credit Union traces to 1934 as a Southern Bell Telephone employees' credit union before converting to a state charter in 2015. Commonwealth Credit Union began in 1951 serving state employees and absorbed the Kentucky Teachers and Associated Employees Credit Union in 1983.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal with licensing/registration required; debt adjusting, budget counseling, debt management, modification/settlement, foreclosure assistance, and debt pooling are governed by KRS § 380.010 et seq. No clearly documented fee cap beyond the federal Telemarketing Sales Rule's advance-fee ban.
Companies listed in the dataset
06 / Insurance
Kentucky insurance
Regulator
Kentucky Department of Insurance
Insurance regulator websiteAuto insurance
25/50/25
Kentucky requires liability insurance of $25,000 per person/$50,000 per accident bodily injury, plus $25,000 property damage, plus PIP, uninsured motorist, and underinsured motorist coverage.
Homeowners and renters
$1,232/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $156/yr
Severe thunderstorms, tornadoes, and periodic flooding, particularly in the state's western and eastern regions.
07 / Questions
Kentucky FAQs
How do I file a complaint against a lender in Kentucky?
Contact the Kentucky Department of Financial Institutions, which licenses and supervises consumer lenders operating in Kentucky.
How do I file a complaint against my insurance company in Kentucky?
File with the Kentucky Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Kentucky?
There isn't a meaningful one. Loans up to $15,000 through a licensed lender can be priced at the agreed rate with no ceiling. Loans above $15,000 fall under the general usury law, which caps written contracts at 19% up to $15,000 but permits any rate above that.
What credit score do I need for a personal loan in Kentucky?
It depends on the lender. Banks and credit unions generally want a FICO score of 700+, FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor/limited credit at higher APRs.
Are payday loans legal in Kentucky, and are there caps on fees or loan amounts?
Yes, for now, though the industry is winding down. Payday loans (deferred deposit transactions) are capped at $500 total across up to two loans, with a fee of $15 per $100 borrowed (~460% APR). Rollovers aren't allowed. A 2019 law stopped new payday lender licenses, so the industry is expected to shrink as existing licenses expire.
How long can a debt collector legally pursue an unpaid debt in Kentucky before the statute of limitations runs out?
Written contracts after July 15, 2014 have a 10-year statute of limitations (KRS 413.160); older contracts get 15 years (KRS 413.090). Oral contracts and open accounts have a shorter 5-year window (KRS 413.120). A payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Kentucky?
A consolidation loan pays off debts in full with new borrowed money at a lower rate; settlement negotiates a reduced payoff but requires halting payments first. In uncapped Kentucky, comparing the actual math on a proposed consolidation loan matters even more than in states with a rate ceiling.
