Personal loans in Kentucky

Consumer lending in Kentucky is regulated by the Kentucky Department of Financial Institutions. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Kentucky

Payday lending	Permitted and regulated — maximum loan amount: A licensee shall not have more than two deferred deposit transactions from any one customer at any one time. The total proceeds received by the customer from all of the deferred deposit transactions shall not exceed $500; maximum loan term: Not to exceed 60 days. Finance charges: A licensee shall not charge a service fee in excess of $15 per $100 on the face amount of the deferred deposit check. A licensee shall prorate any fee, based upon the maximum fee of $15. The commissioner shall impose a fee of $1 per transaction for data required to be submitted by a deferred deposit service business licensee, which fee may be charged to the customerSource: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes). Statutory basis: Ky. Rev. Stat. Ann. §§ 286.4-410 et seq. Licensing administered through NMLS: Yes (1/1/20).Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 8% absent an agreement otherwise; parties may agree in writing to a rate not greater than 4% in excess of the discount rate on 90 day commercial paper set by the Federal Reserve or 19 %, whichever is less for an amount not exceeding $15,000 (KRS § 360.010). Finance rates and fees for licensed lenders: 3% per month on loans of $3,000 or less 2% per month on loans over $3,000. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Kentucky are licensed and supervised by the Kentucky Department of Financial Institutions.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Kentucky Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Kentucky Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Kentucky Department of Financial Institutions; consumers can file complaints with the Kentucky Department of Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Kentucky

Louisville Lexington Bowling Green Elizabethtown Owensboro Covington Georgetown Richmond Florence Nicholasville Hopkinsville Jeffersontown Frankfort Independence Henderson Paducah Radcliff Ashland Madisonville Erlanger Winchester Burlington Mount Washington St. Matthews Fort Thomas Murray Danville Shelbyville Shively Berea Glasgow Newport Shepherdsville Bardstown Fort Campbell North Somerset Lawrenceburg Campbellsville Lyndon Paris Versailles Alexandria Francisville Mayfield La Grange Franklin Oakbrook Middlesborough Middletown Elsmere Harrodsburg Fort Knox Maysville Hillview Fort Mitchell Edgewood Corbin Oak Grove Mount Sterling London Pikeville Villa Hills Flatwoods Union Russellville Morehead Highland Heights Taylor Mill Hebron Leitchfield Vine Grove Cynthiana Cold Spring Princeton Lebanon Crestwood Wilmore Central City Fort Wright Monticello Dayton Bellevue Douglass Hills Buckner Walton Williamsburg Hazard Hendron Columbia Benton Westwood Prospect Hurstbourne Massac Greenville Reidland Farley Ludlow Paintsville Scottsville Crescent Springs Prestonsburg Crittenden Williamstown Carrollton Lancaster Grayson Russell Southgate Stanford Beaver Dam Crestview Hills Hodgenville Morganfield West Liberty Claryville Park Hills Wilder Stanton Barbourville Simpsonville Providence Flemingsburg Graymoor-Devondale Indian Hills Marion Brandenburg Lakeside Park Springfield Cave City Hardinsburg Morgantown Irvine Tompkinsville Eminence Pioneer Village Hartford Falmouth Russell Springs Carlisle Louisa Eddyville Anchorage Cadiz Calvert City Fulton Manchester Horse Cave Windy Hills Sorgho Thruston Whitesburg Jackson Greensburg Rineyville Cumberland Brooks Albany Dawson Springs Lebanon Junction Masonville Mount Vernon Jamestown Warsaw Junction City Lewisport Owingsville Doe Valley Liberty Jeffersonville Dry Ridge Orchard Grass Hills Edmonton Hickman West Buechel Raceland Elk Creek Breckinridge Center Salyersville Elkton Owenton North Corbin Beattyville Midway Hurstbourne Acres Munfordville Catlettsburg Worthington Hills Jenkins Sturgis Pineville Worthington Taylorsville Sebree Auburn Irvington Ledbetter Coal Run Village Harlan St. Regis Park Pine Knot Burkesville Silver Grove Pewee Valley South Shore Vanceburg Brodhead Olive Hill Audubon Park Beechwood Village Pleasureville Whitley City Wurtland Clarkson Coldstream Greenup Guthrie Barbourmeade Augusta Verona Plano Clinton Northfield Elkhorn City Stearns Muldraugh West Van Lear Cloverport Bromley Clay City Clay Dixon Earlington West Point Hebron Estates Lewisburg Burgin Meadow Vale Campbellsburg South Wallins Brownsville Goshen

Personal loans in Kentucky

Lending rules in Kentucky

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Cities in Kentucky

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