The MFP’s Community Personal Loan Lender Survey gathers Kentucky borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Kentucky’s Personal Loan Borrowers >>
Kentucky Best Personal Loan Lenders
Louisville, Lexington-Fayette, Bowling Green, Covington, Georgetown, Richmond, Elizabethtown, Florence, Nicholasville, Online.
Louisville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Louisville’s area are L&N Federal Credit Union, Park Community Credit Union and Class Act Federal Credit Union.
- L&N Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Louisville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Park Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Class Act Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| L&N Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Park Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Class Act Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Commonwealth Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Transcend Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Abound Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Republic Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Stock Yards Bank & Trust | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| German American Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Chase Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Truist Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Lexington-Fayette Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lexington-Fayette’s area are Commonwealth Credit Union, Members Heritage Credit Union and University of Kentucky Federal Credit Union.
- Commonwealth Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Lexington-Fayette-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Members Heritage Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- University of Kentucky Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Commonwealth Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Members Heritage Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| University of Kentucky Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Abound Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Republic Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Stock Yards Bank & Trust | Community Bank | 4.6 | 4.5 | 4.6 | 91% |
| German American Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Central Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Fifth Third Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Chase Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Truist Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Wells Fargo | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
Bowling Green Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bowling Green’s area are Service One Credit Union, Abound Credit Union and German American Bank.
- Service One Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Bowling Green-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Abound Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- German American Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight practical local service, useful personal-loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Service One Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Abound Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| German American Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| South Central Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Independence Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Truist Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 4.0 | 4.0 | 80% |
Covington Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Covington’s area are Kemba Credit Union, General Electric Credit Union and Cinfed Credit Union.
- Kemba Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Covington-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- General Electric Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Cinfed Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kemba Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| General Electric Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Cinfed Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Stock Yards Bank & Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Fifth Third Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Huntington Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Georgetown Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Georgetown’s area are Commonwealth Credit Union, Members Heritage Credit Union and Republic Bank.
- Commonwealth Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Georgetown-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Members Heritage Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Republic Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight practical local service, useful personal-loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Commonwealth Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Members Heritage Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Republic Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Central Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Stock Yards Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Richmond Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Richmond’s area are Commonwealth Credit Union, Members Heritage Credit Union and Central Bank.
- Commonwealth Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Richmond-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Members Heritage Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Central Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight practical local service, useful personal-loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Commonwealth Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Members Heritage Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Republic Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Stock Yards Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Elizabethtown Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Elizabethtown’s area are Abound Credit Union, Fort Knox Federal Credit Union and WesBanco Bank.
- Abound Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Elizabethtown-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Fort Knox Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- WesBanco Bank ranks third with a 90% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight practical local service, useful personal-loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Abound Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Fort Knox Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| WesBanco Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| South Central Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Florence Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Florence’s area are Kemba Credit Union, General Electric Credit Union and Cinfed Credit Union.
- Kemba Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Florence-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- General Electric Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Cinfed Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kemba Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| General Electric Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Cinfed Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Stock Yards Bank & Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Fifth Third Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| PNC Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Nicholasville Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Nicholasville’s area are Commonwealth Credit Union, Members Heritage Credit Union and Central Bank.
- Commonwealth Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Nicholasville-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Members Heritage Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Central Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Customer comments commonly highlight practical local service, useful personal-loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Commonwealth Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Members Heritage Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Republic Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Fifth Third Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| PNC Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Kentucky Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Kentucky’s area are Abound Credit Union, Greater Kentucky Credit Union and Service One Credit Union.
- Abound Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to low-rate personal loan options, an easy online application path, and helpful service during the borrowing process.
- Greater Kentucky Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight quick approvals, clear loan options, and useful help when choosing a personal loan.
- Service One Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to low fixed rates, online application access, and a straightforward borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Abound Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Greater Kentucky Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Service One Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Members Choice Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| Commonwealth Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Park Community Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| UK Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 87% |