Online Loans in Kentucky




Sometimes, you may run into an emergency expense you weren’t able to plan for and don’t have the money on hand to deal with. If you’re confronted with this issue, an online loan in Kentucky may be able to help! With a CreditFresh Line of Credit by CBW Bank, Member FDIC, you may be able to qualify for an online loan from $500 to $3,500.

When you’re dealing with short term loans online, you may come across unexpected fees and hidden terms. But with a Line of Credit through CreditFresh, the terms are transparent and straightforward. If you’re looking to submit a request for an online loan in Kentucky through CreditFresh, you will find that the application process is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit. Simply request a draw on your personal Line of Credit and the funds will be in your bank account as soon as the next business day!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Loan Amount: $500 to $3,500

Loan Type: Line of Credit

Lender: CBW Bank

Minimum Payment: Billing Cycle Charge + Required Principal Payment

Funding Time: 1 Business Day3

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Benefits of Choosing CreditFresh for Online Loans in Kentucky




Access Credit When you Need it
  • You’ll get the financial flexibility you need to handle emergency expenses.
  • Have access to your available credit when you need it by requesting a draw online.
  • Funds can be in your bank account as soon as the next business day.

Excellent Customer Service
  • Our dedicated Customer Service team is here to help!
  • You can reach us 7 days a week for any questions relating to our services and/or products offered through the CreditFresh website.
  • We’re here to help you access the funds you need when an emergency strikes.


Transparent, Easy-to-Understand Product
  • Straightforward repayment terms without hidden fees
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Online Loans in Kentucky - The Details

When you’re faced with an unexpected emergency expense without having the savings to deal with it, an online loan in the form of a line of credit could give you the safety net you need to handle the situation! You may want to think about applying for short term online loans if you need to make a surprise visit to the hospital, if your car unexpectedly breaks down and you need to get it repaired right away, or if the water heater in your home suddenly breaks down and you don’t have the funds set aside to replace it.

If you’re looking to get a loan online in Kentucky, click here to submit a request or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $3,500.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed. If you request a draw, funds will typically be deposited into your bank account by the next business day3.

Repayment of Your Online Loan in Kentucky

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a Periodic Statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your Periodic Statement will show your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your Periodic Statement (see details below); and
  • A required principal payment which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties.

The Cost of a CreditFresh Online Loan in Kentucky

For each Billing Cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance, which you can find on your Periodic Statement.

Billing Cycle Charge Table:

If the “Average Daily Principal Balance” appearing on you Periodic Statement is:

If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:

If you are paid monthly, your Billing Cycle Charge will be:

$0.01 - $9.99 $5.00 $10.00
$10.00 - $249.99 $15.00 $30.00
$250.00 - $499.99 $30.00 $60.00
$500.00 - $749.99 $40.00 $80.00
$750.00 - $999.99 $55.00 $110.00
$1,000.00 - $1,249.99 $70.00 $140.00
$1,250.00 - $1,499.99 $85.00 $170.00
$1,500.00 - $1,749.99 $95.00 $190.00
$1,750.00 - $1,999.99 $105.00 $210.00
$2,000.00 - $2,249.99 $115.00 $230.00
$2,250.00 - $2,499.99 $120.00 $240.00
$2,500.00 - $2,749.99 $135.00 $270.00
$2,750.00 - $2,999.99 $145.00 $290.00
$3,000.00 - $3,249.99 $160.00 $320.00
$3,250.00 - $3,500.00 $175.00 $350.00

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Frequently Asked Questions


What are the minimum requirements to qualify for an Online Loan in Kentucky offered through CreditFresh?

In order to request an Online Loan through CreditFresh, you must:

  • Be of legal age to contract in Kentucky
  • Be a US citizen or a permanent resident
  • Be a resident of Kentucky
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the US armed forces and their dependents.

Will I need a bank account to be approved for this online loan in Kentucky?

Yes, you will need an active bank account to be approved for a Line of Credit through CreditFresh.

Will I need to make an appointment to submit a request for this Online Loan?

No, in order to submit a request, you will not need an appointment. To begin this process, simply click here. Submitting a request is simple and may take only a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Do you offer Online Loans through CreditFresh in other states?

Yes, the CreditFresh Line of Credit is currently offered in Alabama, Florida, Illinois, Indiana, Kansas, Michigan, Nebraska, Ohio, South Carolina, Texas, and Washington in addition to Kentucky.

How is a line of credit different than an installment loan?

A fundamental difference between the two is that a line of credit is a revolving form of credit. This means that if you’re approved, you’ll be able to borrow any amount up to your available credit limit. As you pay down your balance, you can continue to borrow money when you need it from your available credit, either all at once or in smaller amounts, as needed. This is what can make emergency loans online a potentially useful option to have in case you run into an unexpected expense and don’t have the savings to cover it.

We’re here to help!

Dealing with a tough financial situation can be difficult, and you’ll want to weigh all your options carefully. If you’re looking to borrow money online and need more information on the process of requesting an unsecured online loan through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information about us and the CreditFresh Line of Credit by visiting our general FAQ page.