Best Personal Loan Rates in Louisville, Kentucky (KY) - April 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 Louisville, Kentucky include: Louisville Gas & Electric Company Credit UnionLouisville Gas & Electric Company Credit Union820 W Broadway, Louisville, KY, 40202A+5.0 ★Texas Ratio: 1.44% offering Holiday & Anything Loan Special at 4.75% APR, CLASS ACTCLASS ACT3620 Fern Valley Rd, Louisville, KY, 40219 1917A+5.0 ★Texas Ratio: 0.00% offering Personal Loan at 7.74% APR, 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, Louisville Federal Credit UnionLouisville Federal Credit Union1420 Gardiner Ln Rm 66, Louisville, KY, 40231 8900A+5.0 ★Texas Ratio: 1.06% offering Signature Loan at 8.49% APR, and Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY3704 Frankfort Ave, Louisville, KY, 40207A+5.0 ★Texas Ratio: 2.66% offering Signature Cash Personal Loan at 9.49% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Louisville has 10 local institutions in our database, with personal loan rates as low as 4.75% APR from Louisville Gas & Electric Company Credit Union at 820 W Broadway, Louisville, KY, 40202. 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: April 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Holiday & Anything Loan Special
4.75%
▼
APR4.75%
Last UpdatedApril 22, 2026
Details
Maximum: $5,000.00
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Holiday & Anything Loan Special
5.25%
▼
APR5.25%
Last UpdatedApril 22, 2026
Details
Maximum: $4,000.00
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Holiday & Anything Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 22, 2026
Details
Maximum: $2,500.00
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Land Loans
6.00%
▼
APR6.00%
Last UpdatedApril 22, 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
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 22, 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 UpdatedApril 22, 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 UpdatedApril 22, 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 UpdatedApril 22, 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 UpdatedApril 22, 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 UpdatedApril 22, 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
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 22, 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
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3704 Frankfort Ave, Louisville, KY, 40207
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 22, 2026
Details
As Low As
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 UpdatedApril 22, 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
Holiday & Anything Loan Special
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
Maximum: $1,500.00
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 UpdatedApril 22, 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 UpdatedApril 22, 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
Vacation Loan
9.99%
▼
APR9.99%
Last UpdatedApril 22, 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 UpdatedApril 22, 2026
Details
As Low As
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 UpdatedApril 22, 2026
Details
As Low As
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 UpdatedApril 22, 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 UpdatedApril 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 22, 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
Holiday & Anything Loan Special
11.75%
▼
APR11.75%
Last UpdatedApril 22, 2026
Details
Maximum: $1,000.00
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Credit Builder Loans
12.24%
▼
APR12.24%
Last UpdatedApril 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 22, 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
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loans
14.24%
▼
APR14.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
14.24%
▼
APR14.24%
Last UpdatedApril 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Signature Loans
14.50%
▼
APR14.50%
Last UpdatedApril 22, 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
Holiday & Anything Loan Special
14.75%
▼
APR14.75%
Last UpdatedApril 22, 2026
Details
Maximum: $1,000.00
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
17.99%
▼
APR17.99%
Last UpdatedApril 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Signature Loans
19.50%
▼
APR19.50%
Last UpdatedApril 22, 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
Signature Loans
22.50%
▼
APR22.50%
Last UpdatedApril 22, 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 UpdatedApril 22, 2026
Details
As Low As
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
DEBT RESTRUCTURE
6.24%
▼
APR6.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Signet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Recreational Loan
6.46%
▼
APR6.46%
Last UpdatedApril 22, 2026
Details
As Low As
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Signature Special
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
SIGNATURE LOAN SPECIAL
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
7.50%
▼
APR7.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Fixed Equity Rich Loan
8.02%
▼
APR8.02%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
As Low As
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Miscellaneous Collateral Loan (e.g. Computers & Lawn Mowers)
8.75%
▼
APR8.75%
Last UpdatedApril 22, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
Personal Loan
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Unsecured Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
*View rates page for full disclosure details.
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Unsecured Loans
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
Credit Score: 680+, A+/A
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
APR9.50%
Last UpdatedApril 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
APR9.50%
Last UpdatedApril 22, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 22, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
As Low As
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Signature Loan (fixed)
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
Personal Loan
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
SIGNATURE/CO-SIGNER
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Unsecured Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 22, 2026
Details
As Low As
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 22, 2026
Details
No additional details available.
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedApril 22, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Signature/Unsecured
11.49%
▼
APR11.49%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
11.50%
▼
APR11.50%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
11.50%
▼
APR11.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Unsecured Loans
12.00%
▼
APR12.00%
Last UpdatedApril 22, 2026
Details
Credit Score: 640-679, B
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
12.50%
▼
APR12.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 22, 2026
Details
As Low As
APR12.66%
Last UpdatedApril 22, 2026
Details
As Low As
APR13.12%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
13.50%
▼
APR13.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedApril 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 22, 2026
Details
As Low As
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Ultra Loan (Unsecured)
13.99%
▼
APR13.99%
Last UpdatedApril 22, 2026
Details
As Low As; Fixed
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
No additional details available.
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Unsecured Loans
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
Credit Score: 600-639, C
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Northern Kentucky Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Unsecured Loans
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
Credit Score: 599 or less, D/E
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Hardship Emergency Loan Program (HELP)
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
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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 UpdatedApril 22, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3704 Frankfort Ave, Louisville, KY, 40207
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 22, 2026
Details
As Low As
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 UpdatedApril 22, 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 UpdatedApril 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
14.24%
▼
APR14.24%
Last UpdatedApril 22, 2026
Details
As Low As
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loans
14.24%
▼
APR14.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Park Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6101 Fern Valley Rd, Louisville, KY, 40228
Personal Loan
17.99%
▼
APR17.99%
Last UpdatedApril 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
Personal Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
Personal Loan
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
Personal Loan
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 22, 2026
Details
No additional details available.
Daviess County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Kraftcor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 22, 2026
Details
As Low As
APR13.12%
Last UpdatedApril 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 22, 2026
Details
As Low As
Powered by
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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%
DEBT RESTRUCTURE
6.24%
▼
APR6.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedApril 22, 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
Signature Loan
8.49%
▼
APR8.49%
Last UpdatedApril 22, 2026
Details
As Low As
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3704 Frankfort Ave, Louisville, KY, 40207
Signature Cash Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 22, 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 UpdatedApril 22, 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 UpdatedApril 22, 2026
Details
As Low As
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 UpdatedApril 22, 2026
Details
As Low As
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
820 W Broadway, Louisville, KY, 40202
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 22, 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
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedApril 22, 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
Signature Loans
14.50%
▼
APR14.50%
Last UpdatedApril 22, 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
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedApril 22, 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
Signature Loans
19.50%
▼
APR19.50%
Last UpdatedApril 22, 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
Signature Loans
22.50%
▼
APR22.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Signature Special
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
SIGNATURE LOAN SPECIAL
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
7.50%
▼
APR7.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
8.50%
▼
APR8.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
*View rates page for full disclosure details.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Unsecured Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
As Low As
C-Plant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR9.50%
Last UpdatedApril 22, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
As Low As
Members Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Signature Loan (fixed)
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
KUE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Unsecured Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
SIGNATURE/CO-SIGNER
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
General Electric Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 22, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Signature/Unsecured
11.49%
▼
APR11.49%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
11.50%
▼
APR11.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
11.50%
▼
APR11.50%
Last UpdatedApril 22, 2026
Details
$9,500 A 850-680
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
Signature Loan (Unsecured)
12.49%
▼
APR12.49%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
12.50%
▼
APR12.50%
Last UpdatedApril 22, 2026
Details
$5,000 B 640-679
APR12.66%
Last UpdatedApril 22, 2026
Details
As Low As
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
13.50%
▼
APR13.50%
Last UpdatedApril 22, 2026
Details
$3,500 C 600-639
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
15.00%
▼
APR15.00%
Last UpdatedApril 22, 2026
Details
$800 D-90% LTV 555-599
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 12 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 24 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 36 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans 48 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
Labor Management Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Signature Loans Max Term 60 Months
18.00%
▼
APR18.00%
Last UpdatedApril 22, 2026
Details
$500 E-85% LTV Under 554
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No home improvement personal loan rates found in Louisville, KY currently.
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.
Personal Loan — KY Avg
12.821%
▲ 0.137 vs 7 days ago
Kentucky personal loan rates rose 0.137 points over the past 7 days to 12.821% APR.
Signature Loan — KY Avg
11.055%
▲ 0.006 vs 7 days ago
Kentucky signature loan rates rose 0.006 points over the past 7 days to 11.055% APR.
As of Apr 22, 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 Louisville, 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 Louisville, 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 Louisville, 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 Louisville, Kentucky?
Credit unions in Louisville, 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 Louisville, Kentucky?
- Louisville Gas & Electric Company Credit Union: 4.75% (Holiday & Anything Loan Special)
- CLASS ACT: 7.74% (Personal Loan)
- Advanz Federal Credit Union: 7.90% (Vacation & Holiday Loans)
- Louisville Federal Credit Union: 8.49% (Signature Loan)
- Commonwealth Credit Union Frankfort, KY: 9.49% (Signature Cash Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Louisville, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
Personal Loan Calculators
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