Bad Credit Loans in Kentucky, KY


Best Bad Credit Loans in Kentucky, KY

4.9/5 (Votes: 132)
What does Jora offer?
  • Loan amounts $500 to $2,600
  • APRs between 170% and 349%
  • Your request will be funded that same day
Example: in Missouri a $2,000 installment loan would require 48 bi-weekly payments of $179.54, which includes $6,618.50 of interest and an APR of 230%
4.9/5 (Votes: 85)
What does Bad Credit Loans offer?
  • Loan Amounts $500 to $5000
  • Rates from 5.99% to 35.99%
  • Repayment terms 3 to 36 months
Example: Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400
4.8/5 (Votes: 124)
What does PersonalLoans offer?
  • Loan amounts $500 to $35,000
  • Rates from 5.99% to 35.99%
  • Repayment terms 3 to 72 months.
Example: Borrowing $4,000 over a 2 year period will cost you around $182.74 a month with a total cost of credit of $4,385.74.
4.3/5 (Votes: 67)
What does CashAdvance offer?
  • Loan amounts $100 to $1,000
  • You may qualify for a loan, regardless of credit type.
  • Quick connect customers with lenders
Cash Advance provides a free service that aims to quickly connect customers with lenders that offer loans that may work for them.
4.2/5 (Votes: 74)
What does Check Into Cash offer?
  • Loan amounts $50 to $1,000
  • Emergency Cash - Apply in minutes
  • Application is fast and easy!
Our advance loans are available depending on the state in which you live and are one of the easiest ways to get money fast when you need it most.
4.2/5 (Votes: 82)
What does Loan by Phone offer?
  • Loan amounts $100 to $1,500
  • Very simple loan application
  • Get money in as little as 24 hours!
All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.

Where to Get a Personal Loans for Bad Credit in Kentucky?

If you’re looking for personal loans for bad credit in Kentucky, KY, then you’re in the right place. You have a few different options when it comes to getting a loan with bad credit, but they’ll often be a lot more restrictive than if your credit score was higher.

There are so many services across the US that are perfectly willing to serve people with bad credit, including Avant, who specialize in that particular domain. Avant offers loans that range between 2000 to 35000 dollars, and their lengths vary between 24 to 60 months, giving you ample time if needed.

Of course, if you don’t like the sound of Avant, you have access to a few other services, including LendUp and OppLoans. Both of these services are specialized for low credit loans, and the specifics of their services will depend on where you’re located, so feel free to check their sites.

How to Get Bad Credit Loans in Kentucky, KY?

  • The first thing that you have to do is the most important one. You’ll want to be sure that you find the right lender for your needs, and your available options are usually entirely dependent on your location and credit score.

  • Before getting a bad credit loan, you should do what you can to improve your credit score so that you don’t have to deal with overwhelming interest rates and other issues.

  • Ideally, your interest rate should be below 20%, but if you have poor credit, you can expect to have to deal with a rate that can go as high as 30%, anything higher isn’t worth it.

  • Keep in mind that a lot of poor credit loan services will have hidden fees and administration charges that wouldn’t otherwise be present in other loans.

  • Be sure to consider the potential impact of bad credit personal loans in KY on your credit score, as even just getting one may affect it.

How to Change Your Credit History?

If you’re looking to improve your credit score so that you can get better interest rates on personal loans with poor credit, you have a few potential options available. The first thing that you should do is set up reminders to ensure that you pay everything back on time, as that can make your score drop further.

If you can, try to pay off any outstanding balances before you end up getting a personal loan, as that will also potentially improve your interest rate. Guaranteed loans can have steep interest rates, but if you raise your credit score beforehand, you may be able to save anywhere between $50 and $1000.

If you’re having a hard time staying on top of the payments that you owe, it may help to stop using your credit cards, as that can potentially further damage your credit score. Personal loans for people with poor credit may look like they’re stacked against you, but you can improve them.

Be sure to focus on the accounts with the highest interest first when you’re paying off any outstanding accounts that you hope will improve your credit score. While this is important, also be sure not to miss any minimum payments on other accounts that you have to deal with.

You should also handle all of your outstanding credit cards before you open any more of them, as it may increase your overall credit, but it can also make your score drop further. Remember that plenty of new accounts will also lower your credit score, so be restrained when finding new sources of credit.

You may even want to go over your credit report to see if you have any issues that need to be dealt with. It’s possible that some of the accounts on your report aren’t valid, and you can have them disputed. If the lender doesn’t reply to your dispute, then it will be struck from your report.

The Terms of the Bad Credit Loans in Kentucky

Personal loans with bad credit in Kentucky, KY can be a lot worse than comparable loans for someone with a good credit score, but sometimes they’ll be a necessity. If you find that you’re in grave need of a loan, then you can still go ahead and get one, but be aware that you’ll pay more.

What you can expect to pay for your bad credit loan can vary based on your credit score and how much money you need. A lot of the time, you can expect to deal with an APR of between 10% and 35%, based on the terms of your loan, though as we mentioned, you’ll only know if you find out yourself.

Another thing to consider is whether or not applying for a loan will affect your credit score, so you may want to spread out your applications a little bit. Before sending your info to a lender, be sure to find out whether or not the mere act of getting in touch with them will lower your score further.

As we mentioned earlier, personal loans for people with bad credit are sub-optimal, but if you’re smart about them, then you can make them work with relative ease. If you’re apprehensive about being able to pay back a loan, you may want to wait until you’re in a better position so that your credit score isn’t damaged further.

Bad credit loans in Kentucky, KY can still work out well for you, but do your research and find the right company to work with.


We hope that our guide has helped you figure out how you can get yourself a loan, even when you have a poor credit history. High risk loans are never ideal, but sometimes you don’t have a choice, and there are plenty of services available to help you out of your predicament.

Whether you need $500 or $1500, you shouldn’t have too much trouble finding a lender that’s willing to work with you. When looking around for the best loan, be sure to do your research and go over plenty of different sources to be sure that you’re getting the best rate possible.

Thank you for taking the time to read through our short article on poor credit loans in Kentucky. Don’t be afraid to ask friends or family about their experiences with poor credit loans, either, as they may be able to help point you in the right direction.

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