Best Personal Loan Rates in Russellville, Kentucky - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Russellville, Kentucky include: Service One Credit UnionService One Credit Union540 E 4th St, Russellville, KY, 42276 1856A5.0 ★Texas Ratio: 11.42% offering Balance Transfer Loan at 3.99% APR, Autotruck Financial Credit UnionAutotruck Financial Credit Union6920 Lewisburg Rd, Russellville, KY, 42276A+5.0 ★Texas Ratio: 3.18% offering New 2025-2027 models <20,000 miles Loan at 4.74% APR, 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 4.09% APR, and Daviess County Teachers Federal Credit UnionDaviess County Teachers Federal Credit UnionA5.0 ★Texas Ratio: 6.37% offering 2023 - 2026 New & Used Loan at 4.50% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Russellville has 2 local institutions in our database, with personal loan rates as low as 3.99% APR from Service One Credit Union at 540 E 4th St, Russellville, KY, 42276 1856. 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 Russellville, Kentucky.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Russellville, 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: July 25, 2026
Russellville Personal Loan Rates
Intro rate for purchases and balance transfers; Regular APR:
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As Low As; terms that fit your family's budget
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Representative Example: $5,000 loan for 60 months at 9.90% APR = $106.12/mo.
As Low As; Payment Example: $106.21 (based on $5,000)
Representative Example: $2,500 loan for 60 months at 10.40% APR = $53.62/mo.
Representative Example: $1,000 loan for 12 months at 12.00% APR = $88.85/mo.
Representative Example: $500 loan for 6 months at 12.00% APR = $86.27/mo.
Representative Example: $1,000 loan for 60 months at 12.40% APR = $22.42/mo.
Representative Example: $1,000 loan for 12 months at 14.00% APR = $89.79/mo.
Representative Example: $1,500 loan for 18 months at 16.00% APR = $94.29/mo.
Representative Example: $2,000 loan for 24 months at 18.00% APR = $99.85/mo.
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As Low As; $25,000 min
Minimum balance $20,000
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Score: A+; Maximum: $5,000.00
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As Low As; $25,000 min
Purchase APR as low as*; Refinance APR as low as**
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Credit: A+
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Purchase APR; As Low As*; Refinance APR: 4.94%**
As Low As; $25,000 min
Minimum balance $30,000
Refinance APR; **
Purchase APR; As Low As*; Refinance APR: 4.94%**
Purchase APR as low as*; Refinance APR as low as**
Credit: A+
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Score: A; Maximum: $4,000.00
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Minimum balance of $30,000 required for this term.
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Refinance APR; **
Credit: A
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Purchase APR; As Low As*; Refinance APR: 5.14%**
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Credit: A
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Credit: A+
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Score: B; Maximum: $2,500.00
Purchase APR; As Low As*; Refinance APR: 5.64%**
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Used Vehicle Loan; no cash out; Up to 125% NADA Retail; Daily Periodic Rate: .0171%
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Credit: A
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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: 6.49%**
As Low As; Minimum loan amount not specified.
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Not Rate Priced; Daily Periodic Rate: .0192%
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*APR (reflects AutoPay .25% Deduction)
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Credit: B
Purchase APR; *
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Credit: B
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Credit: B
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As Low As; Rates are subject to credit worthiness and other certain requirements.
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Borrow up to $10,000
Personal Loan
As Low As; Promotional Rate
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Credit Score: 680+; Tiers: A+/A
Personal Loan
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Credit Score: 680+; Grade: A+/A
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Maximum Loan Amount: $50,000; ***
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Personal Loan
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Rates as low as: 9.75%
Score: C; Maximum: $1,500.00
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Russellville Personal Loan Rates
Minimum balance of $30,000 required for this term.
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Personal Loan
As Low As; Promotional Rate
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Personal Loan
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Maximum Loan Amount: $50,000; ***
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Personal Loan
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Russellville Debt Consolidation Loan Rates
Used Vehicle Loan; no cash out; Up to 125% NADA Retail; Daily Periodic Rate: .0171%
No additional details available.
Russellville Signature Loan Rates
As Low As; Payment Example: $106.21 (based on $5,000)
Score: A+; Maximum: $5,000.00
Score: A; Maximum: $4,000.00
Score: B; Maximum: $2,500.00
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Not Rate Priced; Daily Periodic Rate: .0192%
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As Low As; Rates are subject to credit worthiness and other certain requirements.
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Maximum Loan Amount: $50,000; ***
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Rates as low as: 9.75%
Score: C; Maximum: $1,500.00
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Russellville, KY Personal Loan Rate Trends
Compare local Russellville, 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 0.238 points over the past 7 days to 11.498% APR.
Kentucky signature loan rates fell 0.032 points over the past 7 days to 10.919% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Russellville, 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 Russellville, 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 Russellville, 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 Russellville, Kentucky?
What are the best personal loan rates in Russellville, Kentucky?
- Service One Credit Union: 3.99% (Balance Transfer Loan)
- Autotruck Financial Credit Union: 4.74% (New 2025-2027 models <20,000 miles Loan)
- CLASS ACT: 3.99% (2022 or newer Loan)
- Delta Community Credit Union: 4.09% (24 months Loan)
- Daviess County Teachers Federal Credit Union: 4.50% (2023 - 2026 New & Used Loan)
Russellville, Kentucky Rates & Resources
Personal Loan Calculators
