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Kentucky Personal Loans

2019 Kentucky Lender Rankings

We have reviewed 5 Kentucky personal loan lenders.

Our review of personal loans considers three areas: reputation, cost, and features. Reputation considers state licensing and Better Business Bureau scores. Cost is based on terms, fees, and rates.

A listing in this table is not an endorsement. This table includes all lenders we have reviewed who offer loans to Kentucky residents.

Filter by state:
KY Lender Description Rating
Avant
  • Loans from $2K-$35K. Varies by state.
  • Competitive rates and fees. Credit type ~600-700.
  • Governing Law: State Lic.
SoFi
  • Competitive APRs from 5.99% - 20.01%
  • Unique underwriting and employment protection
  • Governing Law: State Licensed
OneMain Financial
  • Secured and unsecured personal loans.
  • $1,500 to $20,000 loans, 18.00% – 35.99% APR
  • Governing Law: State Licensed
Upgrade
  • Loans from $1K-$50K
  • Loans and lines of credit
  • Governing Law: State Licensed
Mobiloans
  • Tribal Lender. Line of credit product
  • Rates similar to payday loans
  • Governing Law: Tribe

* Based on our analysis these lenders offer loans to Kentucky residents. We aim to keep our information accurate but check each lender's website for up-to-date information.

Kentucky Personal Loans Details

Kentucky personal loans are unsecured, fixed-rate loans that do not require collateral and are typically paid on a monthly basis over a period greater than two years. We consider fixed-rate loans that are paid back in less two years at installment loans. We include unsecured lines of credit as personal loans for purposes of categorizing lenders. These loans are often used for debt consolidation or to cover a larger expense. Many lenders are able to get cash into your bank account overnight.

The interest rates on Kentucky personal loans vary based on the type of lender and your estimated ability to pay back the loan. Lenders often consider credit score, credit history, other debts, and income. The monthly payment varies vary based the interest rate, loan amount, and loan term. typically, borrowers with the better credit receive lower rates and larger loan amounts.

A rough guide to rates based on credit history is below. This is just a rough guide as the actual rate will vary by lender, loan amount, payback period, and other factors.

Credit Type Score Range Estimated Rate
Excellent 720+ 9.9%-13.9%
Good 690-719 15.9%-19.9%
Fair 630-689 20.9%-25.9%
Poor <629 27.9%+ or not eligible

Personal Loan are regulated by each state. Please contact the Kentucky Office of Financial Institutions for more information concerning loans in Kentucky

The Payday Hound reviews personal loan lenders and ranks them according to our Sniff Test (reputation), costs, and licensing. Being included on our list is not an endorsement or certification. The list is a ranking and is designed to help borrowers rate and judge the quality of lenders. This means it may include lenders we believe to be honest as well as those we would deem to be predatory.