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Kentucky Farmers Bank
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Personal Loan

Choosing a Personal Loan

 
Whatever your financial need, "The Better Bank" has a loan for you. Kentucky Farmers Bank is the bank still locally owned in Boyd County, which means, we make all our decisions in-house and never sell your loan to some unknown, out-of-town office. If you're ready to buy, we're ready to loan. Let's get started by choosing the right loan for you.
 
Try our Loan Calculator to better understand what you can afford. 
KFB is one of the only remaining banks in the area to still offer Single Pay Notes. Here are the details:
 
  • Short term notes based on your needs and ability to repay.
  • Must have a KFB checking account to qualify.
  • Standard loan qualifiers apply, including, but not limited to: credit score and debt-to-income ratio.
 
Get rolling with an auto loan from KFB! New or used; truck, car, or SUV; because that's how we roll!
 
  • Rates are based on the year of the vehicle and your credit score; however we have no credit score minimum on our auto loans.
  • Maximum 72 month term based on year of auto and loan value.
  • Standard loan qualifiers apply, including, but not limited to: debt-to-income ratio.
 
Determining if you will need a Secured or an Unsecured loan will be a conversation between you and your loan officer after discussing your personal financial details and the amount borrowed.
 
  • Fixed rates
  • Commonly used for debt consolidation, vacations, or unexpected financial needs
  • Flexible financing options to meet your needs
  • Standard loan qualifiers apply, including, but not limited to: credit score and debt-to-income ratio.
 
KFB is now improving home improvement. Here's what we offer:
 
  • Up to $7,500 financing, unsecured.
  • Maximum 60 month term.
  • Minimum 660 credit score and maximum 45% debt-to-income ratio.
  • Home must be borrowers' primary residence.
  • A bid/material list must be submitted at time of application.
  • Standard loan qualifiers apply, including, but not limited to: credit score and debt-to-income ratio.


Ready for that big kitchen remodel or a pool in the back yard? A Home Equity Line of Credit is perfect those big home improvement jobs! 
 
  • Borrow up to 100% of your home's equity when your 1st mortgage is with KFB! 
  • Borrow up to 70% if your home's equity when your mortgage is with another financial institution.
  • Variable rate financing with interest only payments for 10 years. 
  • You may draw from your line of credit at any time via check or debit card! 
  • Standard loan qualifiers apply, including, but not limited to: credit score and debt-to-income ratio.
 
KFB offers commercial loans specific to your business needs. Any commercial loan offers:
 
  • Flexible financing terms and rate options
  • Fast, local decisions and approvals
  • Loans for small or large businesses with small or large business expenses!
  • Commercial Lines of Credit also available
 
 
Download the PDF application and complete for a KFB Loan (auto, unsecured, notes, etc)!
 
When you have completed your application you may email it to one of our Lenders, bring it to one of our convenient locations, or mail or fax it to:
 
Kentucky Farmers Bank
6313 US RT 60
Ashland KY 41102
Fax: 606-928-3690

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