Best Credit Builder Loans in Kentucky

Published: 21 February 2024

Author: Noah Gomez 

Finding the right credit builder loan takes time and effort, and national providers aren't always best. Some local institutions offer better terms, and in Kentucky we looked at over 15 banks, credit union, and online providers to find the most cost-effective and quality options in the market, to bring you the most value.

Best Overall

Commonwealth Credit Union

Avg. Principal: $625
Avg. APR: 3.15%
Avg. Length: 12 months

At 3%, Commonwealth Credit Union's credit-builder offers an APR lower than the national average. Available across 24 counties, this $625 average offer can be paid over 12 months for an easy $54 per month.

It's the only classic offer from a local institution, but the lack of competition doesn't stop Commonwealth from providing a stellar offer.

Best from Bank (Physical)

Republic Bank

Avg. Principal: $1,000
Avg. APR: 9.25%
Avg. Length: 18 months

Best from Credit Union

Commonwealth Credit Union

Avg. Principal: $625
Avg. APR: 3.15%
Avg. Length: 12 months

Best from Digital Lender


Avg. Principal: $1000
Avg. APR: 17.99%
Avg. Length: 12 months

Best Kentucky-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Kentucky

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