Best Loans in Kentucky, Payday, Auto Title Laws of August 2026

ElitePersonalFinance • Loans By State •

Last Update: August 18, 2026

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Kentucky’s Consumer Loan Companies statute requires licensed lenders to cap installment loans at $15,000. APRs are capped at 3% per month for loans of up to $3,000 or 2% per month for loans over $3,000.

Other allowable charges include:

A bad check charge of $25 or the amount levied by the clearing financial institution – whichever is greater.
A loan processing fee of 5%, up to a maximum of $150.
A default charge of up to 5% of the scheduled payment or $15 – whichever is greater.

Best Bad Credit Loans in Kentucky of August 2026

ZippyLoan

Apply Now

Amount:

$100 - $15,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 72 Months

Licensed in Kentucky:

Yes

Get started

Upstart

Apply Now

Amount:

$1,000 - $50,000

Min. Credit Score:

300

APR:

5.6% - 35.99%

Approval:

5 Minutes

Terms:

3 - 5 Years

Licensed in Kentucky:

Yes

Get started

LifeLoans

Apply Now

Amount:

$100 - $40,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Kentucky:

Yes

Get started

VivaLoan

Apply Now

Amount:

$100 - $15,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Kentucky:

Yes

Get started

NextDayPersonalLoan

Apply Now

Amount:

$100 - $40,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Kentucky:

Yes

Get started

FundsJoy

Apply Now

Amount:

$200 - $5,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Kentucky:

Yes

Get started

SuperMoney

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

12 - 120 Months

Licensed in Kentucky:

Yes

Get started

PersonalLoans

Apply Now

Amount:

$1,000 - $35,000

Min. Credit Score:

580

APR:

5.99% - 35.99%

Approval:

< 1 Day

Terms:

90 Days - 72 Months

Licensed in Kentucky:

Yes

Get started

For additional information, see our complete guide on bad credit loans.

Best Personal Loans for Good Credit in Kentucky of August 2026

SuperMoney

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

4.99 - 35.99%

Approval:

1 Day

Terms:

12 - 120 months

Licensed in Kentucky:

Yes

Get started

Prosper

Apply Now

Amount:

$2,000 - $40,000

Min. Credit Score:

640

APR:

7.95% - 35.99%

Approval:

1 - 3 Days

Terms:

36 - 60 months

Licensed in Kentucky:

Yes

Get started

Credible

Apply Now

Amount:

$1,000 – $100,000

Min. Credit Score:

APR:

4.99 - 35.99%

Approval:

1 Day

Terms:

12 - 120 months

Licensed in Kentucky:

Yes

Get started

PersonalLoans

Apply Now

Amount:

$1,000 – $35,000

Min. Credit Score:

580

APR:

5.99% – 35.99%

Approval:

< 1 Day

Terms:

90 Days – 72 Months

Licensed in Kentucky:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 – $50,000

Min. Credit Score:

500

APR:

3.99% – 35.99%

Approval:

< 1 Day

Terms:

1 – 5 Years

Licensed in Kentucky:

Yes

Get started

Upgrade

Apply Now

Amount:

$1,000 – $50,000

Min. Credit Score:

600

APR:

7.99% - 35.97%

Approval:

< 1 Day

Terms:

3 - 5 Years

Licensed in Kentucky:

Yes

Get started

PayOff

Apply Now

Amount:

$5,000 – $35,000

Min. Credit Score:

640

APR:

5.99% – 24.99%

Approval:

1 – 7 Days

Terms:

2 - 5 Years

Licensed in Kentucky:

Yes

Get started

Discover

Apply Now

Amount:

$2,500-$35,000

Min. Credit Score:

660

APR:

6.99-24.99%

Approval:

1 Day

Terms:

24 - 84 Months

Licensed in Kentucky:

Yes

Get started

Freedomplus

Apply Now

Amount:

$7,500 - $40,000

Min. Credit Score:

680

APR:

6 - 15%

Approval:

1 - 7 Days

Terms:

36 - 84 months

Licensed in Kentucky:

Yes

Get started

Payday Loan Laws in Kentucky of August 2026

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 60 days

Maximum Fee: $15 per $100 borrowed

Maximum APR: Averages 469%

Rollovers: Prohibited

Loan Limit: You can only have two payday loans at a time

Payday loans are legal in Kentucky.

Kentucky’s Deferred Deposit Act caps payday loans at $500, and finance charges cannot exceed $15 per $100 over a two-week period. Licensed lenders are also prohibited from extending more than two payday loans to a customer at one time. Similarly, the total proceeds from both loans cannot exceed $500.

Rollovers are prohibited, and licensed lenders are required to display the following notice – supplied by the commissioner – at each of their payday loan locations:

No person who enters into a post-dated or deferred deposit transaction with this business establishment will be prosecuted for or convicted of writing cold checks or of theft by deception under the provisions of KRS 514.040.

Payday Loan Laws in Kentucky by Country of August 2026

ElitePersonalFinance analysis of payday loan laws by countries in the State of Kentucky.

We haven’t found a significant difference between the payday loan laws in Kentucky. If you are with bad credit, here are the laws in Kentucky by country.

City:	Amount Allowed:	APR Allowed:	Status:
City:Louisville/Jefferson County metro government (balance)	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Lexington-Fayette	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Bowling Green	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Owensboro	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Covington	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Richmond	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Georgetown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Florence	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hopkinsville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Nicholasville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Elizabethtown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Henderson	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Jeffersontown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Frankfort	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Independence	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Paducah	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Radcliff	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Ashland	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Madisonville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Murray	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Erlanger	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Winchester	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:St. Matthews	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Burlington	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Danville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Fort Thomas	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Shively	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Shelbyville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Berea	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Newport	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Mount Washington	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Glasgow	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Fort Campbell North	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Bardstown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Shepherdsville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Lyndon	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Campbellsville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Somerset	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Lawrenceburg	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Mayfield	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Paris	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Middlesborough	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Francisville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Oakbrook	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Alexandria	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Versailles	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hillview	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Fort Knox	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Maysville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Franklin	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:La Grange	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Edgewood	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Elsmere	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Harrodsburg	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Fort Mitchell	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:London	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Middletown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Morehead	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Oak Grove	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Villa Hills	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Corbin	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Flatwoods	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Mount Sterling	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Highland Heights	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Russellville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Pikeville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Leitchfield	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Taylor Mill	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Cynthiana	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Cold Spring	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Wilmore	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hebron	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Princeton	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Monticello	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Vine Grove	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Bellevue	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Central City	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Union	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Fort Wright	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Douglass Hills	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Lebanon	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Buckner	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Dayton	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Williamsburg	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hazard	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Crestwood	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Massac	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Prospect	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hendron	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Columbia	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Ludlow	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Westwood CDP	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Reidland	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Benton	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Scottsville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Farley	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hurstbourne	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Greenville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Walton	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Paintsville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Crescent Springs	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Grayson	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Williamstown	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Crittenden	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Southgate	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Carrollton	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Lancaster	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Stanford	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Prestonsburg	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Beaver Dam	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Morganfield	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:West Liberty	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Russell	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Crestview Hills	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Hodgenville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Barbourville	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Wilder	Amount Allowed:$500	APR Allowed:460%	Status:Legal
City:Providence	Amount Allowed:$500	APR Allowed:460%	Status:Legal

Best Auto Loans for Bad Credit in Kentucky of August 2026

SuperMoney - Compare Loans to Buy Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Kentucky:

Yes

Get started

SuperMoney - Compare Loans to Refinance Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Kentucky:

Yes

Get started

StandardAutoFinancial

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Kentucky:

Yes

Get started

MaxCarLoan

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Kentucky:

Yes

Get started

FirstChoiceAutoLoan

Apply Now

Amount:

Up to $100,000

Min. Credit Score:

APR:

Vary

Licensed in Kentucky:

Yes

Get started

MyAutoLoan

Apply Now

Amount:

$8,000 - $100,000

Min. Credit Score:

500

APR:

2.74% - 27%

Licensed in Kentucky:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

500

APR:

From 3.09%

Licensed in Kentucky:

Yes

Get started

Consumers

Apply Now

Amount:

$250 - $500,000

Min. Credit Score:

640

APR:

2.99% - 21.99%

Licensed in Kentucky:

Yes

Get started

OneMainFinancial

Apply Now

Amount:

$1,500 - $20,000

Min. Credit Score:

APR:

18.00% - 35.99%

Licensed in Kentucky:

Yes

Get started

CarsDirect

Apply Now

Amount:

$1,000 - $45,000

Min. Credit Score:

APR:

From 0.99%

Licensed in Kentucky:

Yes

Get started

Auto Credit Express

Apply Now

Amount:

$1,000 - $35,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Kentucky:

Yes

Get started

CapitalOne

Apply Now

Amount:

$7,500 - $50,000

Min. Credit Score:

500

APR:

From 3.39%

Licensed in Kentucky:

Yes

Get started

LendingClub

Apply Now

Amount:

$5,000 – $55,000

Min. Credit Score:

510

APR:

3.99% - 24.99%

Licensed in Kentucky:

Yes

Get started

Carvana

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

3.90% - 27.90%

Licensed in Kentucky:

Yes

Get started

Best Auto Loans for Good Credit in Kentucky of August 2026

SuperMoney - Compare Loans to Buy Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Kentucky:

Yes

Get started

SuperMoney - Compare Loans to Refinance Car

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

From 1.99%

Licensed in Kentucky:

Yes

Get started

LendingTree

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

500

APR:

From 3.09%

Licensed in Kentucky:

Yes

Get started

Consumers

Apply Now

Amount:

$250 - $500,000

Min. Credit Score:

640

APR:

2.99% - 21.99%

Licensed in Kentucky:

Yes

Get started

Lightstream

Apply Now

Amount:

$5,000-$100,000

Min. Credit Score:

660

APR:

4.99% to 9.19%

Licensed in Kentucky:

Yes

Get started

CapitalOne

Apply Now

Amount:

$7,500 - $50,000

Min. Credit Score:

500

APR:

From 3.39%

Licensed in Kentucky:

Yes

Get started

MyAutoLoan

Apply Now

Amount:

$8,000 - $100,000

Min. Credit Score:

500

APR:

2.74% - 27%

Licensed in Kentucky:

Yes

Get started

Carvana

Apply Now

Amount:

$1,000 - $100,000

Min. Credit Score:

APR:

3.90% - 27.90%

Licensed in Kentucky:

Yes

Get started

Usbank

Apply Now

Amount:

$3,000 - $100,000

Min. Credit Score:

650

APR:

From 3.12%

Licensed in Kentucky:

Yes

Get started

Bank Of America

Apply Now

Amount:

$5,000 - $100,000

Min. Credit Score:

640

APR:

From 3.54%

Licensed in Kentucky:

Yes

Get started

LendingClub

Apply Now

Amount:

$5,000 – $55,000

Min. Credit Score:

510

APR:

3.99% - 24.99%

Licensed in Kentucky:

Yes

Get started

Clearlane

Apply Now

Amount:

$5,000 - $100,000

Min. Credit Score:

600

APR:

3.54% - 10.24%

Licensed in Kentucky:

Yes

Get started

OneMainFinancial

Apply Now

Amount:

$1,500 - $20,000

Min. Credit Score:

APR:

18.00% - 35.99%

Licensed in Kentucky:

Yes

Get started

FHA Loans in Kentucky of August 2026

Kentucky has 120 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Adair County to a high of $641,350 for a 4-bedroom unit in Bullitt County. Loan limits vary by county and home size. In addition to loan limits, you must live in the home as your primary residence to qualify for an FHA loan.

County:	Single Unit Limit (lowest):	Four-Plex Limit (highest):
County:Adair County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Allen County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Anderson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Ballard County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Barren County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bath County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bell County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Boone County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bourbon County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Boyd County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Boyle County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bracken County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Breathitt County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Breckinridge County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Bullitt County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Butler County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Caldwell County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Calloway County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Campbell County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Carlisle County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Carroll County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Carter County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Casey County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Christian County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Clark County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Clay County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Clinton County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Crittenden County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Cumberland County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Daviess County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Edmonson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Elliott County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Estill County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Fayette County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Fleming County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Floyd County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Franklin County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Fulton County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Gallatin County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Garrard County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Grant County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Graves County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Grayson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Green County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Greenup County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Hancock County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Hardin County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Harlan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Harrison County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Hart County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Henderson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Henry County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Hickman County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Hopkins County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Jackson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Jefferson County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Jessamine County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Johnson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Kenton County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Knott County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Knox County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Larue County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Laurel County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lawrence County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lee County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Leslie County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Letcher County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lewis County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lincoln County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Livingston County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Logan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Lyon County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Madison County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Magoffin County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Marion County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Marshall County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Martin County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mason County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mccracken County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mccreary County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mclean County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Meade County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Menifee County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Mercer County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Metcalfe County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Monroe County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Montgomery County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Morgan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Muhlenberg County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Nelson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Nicholas County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Ohio County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Oldham County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Owen County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Owsley County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Pendleton County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Perry County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Pike County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Powell County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Pulaski County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Robertson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Rockcastle County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Rowan County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Russell County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Scott County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Shelby County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Simpson County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Spencer County	Single Unit Limit (lowest):$333,500	Four-Plex Limit (highest):$641,350
County:Taylor County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Todd County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Trigg County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Trimble County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Union County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Warren County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Washington County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Wayne County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Webster County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Whitley County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Wolfe County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100
County:Woodford County	Single Unit Limit (lowest):$331,760	Four-Plex Limit (highest):$638,100

Business Loans in Kentucky of August 2026

SuperMoney - Compare Business Loans

Apply Now

Amount:

Up to $10,000,000

APR:

Vary

Min. Credit Score:

Licensed in Kentucky:

Yes

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LendingClub

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Amount:

$5,000 - $500,000

APR:

9.77% - 35.98%

Min. Credit Score:

600

Licensed in Kentucky:

Yes

Get started

LendingTree

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Amount:

$5,000 - $500,000

APR:

5.99% – 35.99%

Min. Credit Score:

500

Licensed in Kentucky:

Yes

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Kabbage

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Amount:

Up to $250,000

APR:

24% – 99%

Min. Credit Score:

560

Licensed in Kentucky:

Yes

Get started

SmartBiz SBA Loans

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Amount:

Up to $350,000

APR:

9.28 - 10.52%

Min. Credit Score:

650

Licensed in Kentucky:

Yes

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CredibilityCapital

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Amount:

Up to $350,000

APR:

10.00 - 25.00%

Min. Credit Score:

680

Licensed in Kentucky:

Yes

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Live Oak Bank

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Amount:

$75,000 - $5,000,000

APR:

5.50 - 8.25%

Min. Credit Score:

650

Licensed in Kentucky:

Yes

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Funding Circle

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Amount:

Up to $500,000

APR:

12.18 - 36.00%

Min. Credit Score:

660

Licensed in Kentucky:

Yes

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OnDeck

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Amount:

Up to $500,000

APR:

9.00 - 99.00%

Min. Credit Score:

600

Licensed in Kentucky:

Yes

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BlueVine

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Amount:

Up to $5,000,000

APR:

15.00 - 78.00%

Min. Credit Score:

600

Licensed in Kentucky:

Yes

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CaminoFinancial

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Amount:

Up to $1,000,000

APR:

Vary

Min. Credit Score:

Licensed in Kentucky:

Yes

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TheLoanExchange

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Amount:

$6,000 to $250,000

APR:

Vary

Min. Credit Score:

Licensed in Kentucky:

Yes

Get started

All Licensed Credit Unions in Kentucky of August 2026

Name:	City:	Size (Millions):	Members:
Name:COMMONWEALTH CREDIT UNION	City:Frankfort	Size (Millions):$897.01	Members:83315
Name:FORT KNOX FEDERAL CREDIT UNION	City:Radcliff	Size (Millions):$1,019.98	Members:74888
Name:L & N FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$706.42	Members:62532
Name:PARK COMMUNITY FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$485.05	Members:50396
Name:MEMBERS HERITAGE FEDERAL CREDIT UNION	City:Lexington	Size (Millions):$300.67	Members:50258
Name:UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION	City:Lexington	Size (Millions):$422.18	Members:47794
Name:KENTUCKY TELCO FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$280.71	Members:37066
Name:ASHLAND CREDIT UNION	City:Ashland	Size (Millions):$171.56	Members:25890
Name:CLASS ACT FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$153.77	Members:18322
Name:PADUCAH FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$194.98	Members:17020
Name:MEMBERS CHOICE CREDIT UNION	City:Ashland	Size (Millions):$152.54	Members:15792
Name:THE HEALTH & EDUCATION FEDERAL CREDIT UNION	City:Lexington	Size (Millions):$67.08	Members:14831
Name:SERVICE ONE CREDIT UNION	City:Bowling Green	Size (Millions):$107.49	Members:13961
Name:C-PLANT FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$123.73	Members:13362
Name:AUTOTRUCK FINANCIAL CREDIT UNION	City:Louisville	Size (Millions):$86.07	Members:13347
Name:JEFFERSON COUNTY FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$101.75	Members:13135
Name:GREATER KENTUCKY CU, INC. CREDIT UNION	City:Lexington	Size (Millions):$62.70	Members:9983
Name:BEACON COMMUNITY CREDIT UNION	City:Louisville	Size (Millions):$45.55	Members:9440
Name:SEMC FEDERAL CREDIT UNION	City:Edgewood	Size (Millions):$35.82	Members:8627
Name:OWENSBORO FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$51.25	Members:8610
Name:KENTUCKY EMPLOYEES CREDIT UNION	City:Frankfort	Size (Millions):$59.22	Members:8476
Name:LAKE CHEM COMMUNITY FEDERAL CREDIT UNION	City:Benton	Size (Millions):$44.62	Members:7832
Name:RURAL COOPERATIVES CREDIT UNION	City:Louisville	Size (Millions):$38.27	Members:5814
Name:GREEN RIVER AREA FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$37.79	Members:5595
Name:KEMBA LOUISVILLE CREDIT UNION	City:Louisville	Size (Millions):$41.55	Members:5510
Name:LOUISVILLE MEDICAL CENTER FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$19.95	Members:5215
Name:LOUCHEM FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$28.06	Members:4808
Name:ARH FEDERAL CREDIT UNION	City:Middlesboro	Size (Millions):$10.19	Members:4745
Name:C&O UNITED CREDIT UNION	City:Edgewood	Size (Millions):$15.08	Members:4505
Name:METRO EMPLOYEES CREDIT UNION	City:Lexington	Size (Millions):$18.15	Members:3843
Name:MOREHEAD COMMUNITY FEDERAL CREDIT UNION	City:Morehead	Size (Millions):$26.18	Members:3767
Name:DAVIESS COUNTY TEACHERS FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$33.50	Members:3732
Name:KUE FEDERAL CREDIT UNION	City:Lexington	Size (Millions):$36.00	Members:3597
Name:LOUISVILLE METRO POLICE OFFICERS CREDIT UNION	City:Louisville	Size (Millions):$19.87	Members:3260
Name:CHEMCO FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$17.36	Members:3225
Name:LOUISVILLE GAS AND ELECTRIC COMPANY CREDIT UNION	City:Louisville	Size (Millions):$30.53	Members:3127
Name:NORTHERN KENTUCKY EDUCATORS’ FEDERAL CREDIT UNION	City:Highland Heights	Size (Millions):$14.23	Members:3122
Name:LEXINGTON POSTAL CREDIT UNION	City:Lexington	Size (Millions):$17.64	Members:3083
Name:LOUISVILLE FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$35.94	Members:2965
Name:W B H EMPLOYEES FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$12.19	Members:2856
Name:AUDUBON FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$19.11	Members:2824
Name:GENERAL TIRE COMMUNITY FEDERAL CREDIT UNION	City:Mayfield	Size (Millions):$15.89	Members:2667
Name:K I T FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$9.65	Members:2592
Name:MSU FEDERAL CREDIT UNION	City:Murray	Size (Millions):$19.07	Members:2428
Name:BLUEGRASS COMMUNITY FEDERAL CREDIT UNION	City:Ashland	Size (Millions):$7.68	Members:2387
Name:REGIONAL MEDICAL CTR HOPKINS CO EMP FEDERAL CREDIT UNION	City:Madisonville	Size (Millions):$8.92	Members:2204
Name:KRAFTCOR FEDERAL CREDIT UNION	City:Hawesville	Size (Millions):$13.14	Members:1998
Name:LABOR MANAGEMENT FEDERAL CREDIT UNION	City:Lewisport	Size (Millions):$20.22	Members:1972
Name:WHITESVILLE COMMUNITY CREDIT UNION	City:Whitesville	Size (Millions):$18.07	Members:1904
Name:APPALACHIAN FEDERAL CREDIT UNION	City:Berea	Size (Millions):$15.89	Members:1753
Name:HOPKINS COUNTY TEACHERS FEDERAL CREDIT UNION	City:Madisonville	Size (Millions):$9.88	Members:1579
Name:FRIENDS FIRST FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$6.41	Members:1568
Name:BROWN-FORMAN EMPLOYEES CREDIT UNION	City:Louisville	Size (Millions):$9.99	Members:1393
Name:EAST KY EMPLOYEES FEDERAL CREDIT UNION	City:Winchester	Size (Millions):$27.64	Members:1384
Name:KYANG FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$10.15	Members:1369
Name:MCCRACKEN COUNTY TEACHERS FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$8.47	Members:1360
Name:DOE RUN FEDERAL CREDIT UNION	City:Brandenburg	Size (Millions):$8.50	Members:1181
Name:PADUCAH TEACHERS FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$7.20	Members:1148
Name:RALE FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$5.97	Members:1129
Name:GIBBS ALUMINUM FEDERAL CREDIT UNION	City:Henderson	Size (Millions):$4.47	Members:1078
Name:KENTUCKY ARMY NATIONAL GUARD FEDERAL CREDIT UNION	City:Frankfort	Size (Millions):$2.34	Members:1051
Name:CORNING GLASS WORKS HARRODSBG FEDERAL CREDIT UNION	City:Harrodsburg	Size (Millions):$5.48	Members:914
Name:I.B.E.W. LOCAL 816 FEDERAL CREDIT UNION	City:Paducah	Size (Millions):$5.81	Members:892
Name:SHAWNEE TVA EMPLOYEES FEDERAL CREDIT UNION	City:West Paducah	Size (Millions):$7.39	Members:891
Name:LOUVAH FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$2.69	Members:889
Name:TARCANA CREDIT UNION	City:Louisville	Size (Millions):$2.80	Members:865
Name:GREENUP COUNTY FEDERAL CREDIT UNION	City:Russell	Size (Millions):$3.60	Members:862
Name:MSD FEDERAL CREDIT UNION	City:Louisville	Size (Millions):$4.44	Members:847
Name:B. C. B. S. CREDIT UNION	City:Louisville	Size (Millions):$6.27	Members:832
Name:MODERN EMPLOYEES FEDERAL CREDIT UNION	City:Owensboro	Size (Millions):$4.91	Members:803
Name:PADUCAH CITY EMPLOYEES CREDIT UNION	City:Paducah	Size (Millions):$2.90	Members:735
Name:WICKIFFE PAPER MILL FEDERAL CREDIT UNION	City:Wickliffe	Size (Millions):$7.91	Members:720
Name:F.C.I. ASHLAND FEDERAL CREDIT UNION	City:Ashland	Size (Millions):$4.80	Members:643
Name:TAYCO EMPLOYEES FEDERAL CREDIT UNION	City:South Shore	Size (Millions):$3.23	Members:601
Name:AXTON FEDERAL CREDIT UNION	City:Glasgow	Size (Millions):$2.72	Members:504
Name:BEREA CREDIT UNION	City:Berea	Size (Millions):$1.35	Members:495
Name:MUHLENBERG COMMUNITY HOSPITAL CREDIT UNION	City:Greenville	Size (Millions):$0.67	Members:468
Name:KITCO EMPLOYEES CREDIT UNION	City:Louisville	Size (Millions):$2.41	Members:434
Name:LETCHER COUNTY TEACHERS CREDIT UNION	City:Whitesburg	Size (Millions):$1.13	Members:418
Name:KY W VA GAS CO EMPLOYEES FEDERAL CREDIT UNION	City:Pikeville	Size (Millions):$3.49	Members:395
Name:ST. JOSEPH COLD SPRING FEDERAL CREDIT UNION	City:Cold Spring	Size (Millions):$1.74	Members:369
Name:1ST SELECT FEDERAL CREDIT UNION	City:Hopkinsville	Size (Millions):$1.13	Members:351
Name:SECURITY PLUS FEDERAL CREDIT UNION	City:Russellville	Size (Millions):$1.26	Members:240
Name:NORTH EAST KY CAP FEDERAL CREDIT UNION	City:Olive Hill	Size (Millions):$0.40	Members:186