KY · PROM-NOTE · Updated July 2026 · Free
Kentucky Promissory Note PDF
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Kentucky at a glance: Usury Limit: 8% per year (loans under $15k) · Governing Law: Ky. Rev. Stat. § 360.010
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Overview
Promissory Notes in Kentucky
Kentucky usury laws limit interest rates on loans of $15,000 or less to 8% per year, or 4% above the Federal Reserve discount rate, whichever is greater.
Key Facts
Kentucky Promissory Note — Quick Reference
| Requirement | Kentucky Rule |
|---|---|
| Usury Limit | 8% per year (loans under $15k) |
| Governing Law | Ky. Rev. Stat. § 360.010 |
Legal Requirements
Kentucky Legal Requirements
- Loans under $15,000 must comply with the 8% interest rate ceiling.
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 Promissory Note — Frequently Asked Questions
What is the usury limit in Kentucky?
The cap is 8% per year for loans under $15,000.