KY · LOAN-AGMT · Updated July 2026 · Free
Kentucky Loan Agreement PDF
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Kentucky at a glance: Usury Cap (Under $15k): 8% per year (KRS § 360.010) · Governing Law: Kentucky Revised Statutes Chapter 360
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Overview
Loan Agreements in Kentucky
Kentucky caps interest rates on loans under $15,000 at 8% per year under Kentucky Revised Statutes Section 360.010.
Key Facts
Kentucky Loan Agreement — Quick Reference
| Requirement | Kentucky Rule |
|---|---|
| Usury Cap (Under $15k) | 8% per year (KRS § 360.010) |
| Governing Law | Kentucky Revised Statutes Chapter 360 |
Legal Requirements
Kentucky Legal Requirements
- Interest rates must not exceed 8% for loans under $15,000.
Governing Laws
Kentucky Governing Laws
Read the full text of these laws at Cornell Law School's Kentucky legal resources or your state legislature's official website.
Questions & Answers
Kentucky Loan Agreement — Frequently Asked Questions
Are loans over $15,000 exempt from Kentucky's 8% limit?
Yes, loans over $15,000 are exempt from standard usury caps.