Mortgage Rates | Learn More ❱

15YR 3.125% 3.148% APR
30YR 3.750% 3.763% APR

Mortgage Rates | Learn More ❱

15YR 3.125% 3.148% APR
30YR 3.750% 3.763% APR

Mortgage Loans and Rates

15 YR    3.125%  /  3.148% APR
30 YR    3.750%  /  3.763% APR

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Let's grow together 

Now is the time to expand!  Our experienced lending staff can provide you with the capital that you need.

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1.00% APR Home Equity Line of Credit

Take advantage of a 1.00% APR Home Equity Line of Credit and unlock the potential in your home. 

Personal loans

Today, many people felt the convenience and ease of personal loan use. With it, you can cover the modernization or repair of the house, consolidate debts, buy a refrigerator or dishwasher, which was so lacking at home, or cover unexpected expenses.

At First Capital Bank of Kentucky, getting a personal loan is easy and fast - it will take no more than 72 hours for your application to be approved. But first, let's take a closer look at a personal loan and how to use it.

What is a personal loan?

A personal loan is a practical, unique type of loan suitable for many needs. The reason why you get a personal loan plays almost no role. If you need money, you will get it. Furthermore, a personal loan is unsecured, which means it does not require any collateral from you; your home, car, and securities are entirely safe and belong only to you.

To be honest, there is also a secured type of personal loan. In this case, you will need collateral. However, First Capital Bank of Kentucky does not consider it necessary to take collateral from its borrowers. You trust us, and we trust you!

What are the benefits of a personal loan?
  • Personal loans do not require a large number of documents. As a result, the registration process usually goes quickly.
  • You can receive all the necessary amount within a few hours.
  • Personal loans are very flexible in choosing the term. Often, the loan term is from 1 to 7 years allowing you to distribute regular payments comfortably for your budget. You can choose a longer term and reduce the regular payment amount. Or you can choose a shorter term and save on interest.
What is the maximum amount you can borrow?

Typically, personal loan amounts range from $1,000 to $50,000.

But in more detail, the maximum amount depends on your income level, your profession, and the assessment of your loan application. In order to estimate whether you will approve the required amount, keep in mind that the average EMI (equated monthly installment) should be no more than 40%-50% of your monthly income.

What documents do you need to get a personal loan?
  • Document confirming your source of income.
  • A document that will confirm your identity.
  • A document confirming your place of residence.
What does First Capital Bank of Kentucky offer?
  • Personal loans for everyone who is over 18 years old and who is a US citizen.
  • Personal loans terms from 2 to 7 years;
  • Fixed interest rates;
  • APR from 3.34% to 15.2%;
  • No origination fees;
  • No prepayment penalties;
  • Available with less than perfect credit rating;
What do you need to do to get a personal loan?

Step 1. Tell us about yourself. We are for a personalized approach, so we customize the loan terms for each customer.

Step 2. Choose one of the loan options. Evaluate all the options and offers that we will send you by email and choose the one that suits you best.

Step 3. Fill out an application. We need some details to verify your identity.

The final step. Get your money and manage it the way you see fit!

While others casually promise "personal service" without any real commitment, we genuinely live by this principle, and we take great pride in treating every one of our customers with the warmth and personal attention they deserve. You can also expect to receive a bad credit loan guaranteed approval.

Have some questions left? Contact us for a detailed explanation in any convenient way, or get pre-approved online to see what we can offer you today.


Contact Us

Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations, or use the secure form found on our Contact Us page.


First Capital Bank of Kentucky
293 N. Hubbards Lane
Louisville, KY 40207

Phone (502) 895-5040



Lost or Stolen Visa Debit Card?
Call 1-888-895-5040
After hours, call 1-844-202-5333