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L&N Federal Credit Union's wide range of Personal Loan products provide unmatched convenience and affordability to our members.

For more information about our Personal Loan programs, contact our Loan Department at (800)292-2905 or (502)368-5858. Or, contact us by filling out our Contact Us form.


L&N Federal Credit Union’s Signature Loan Program is a great option to borrow money with competitive rates and terms. The program does not require any collateral however, rates are based on your credit qualifications. Terms range from 1 to 5 years.

Deposit Secured

By securing the amount of money you want to borrow from your available funds in your L&N Federal Credit Union savings or certificate account, we are able to advance you money at a rate higher than the highest rate earned on that specific account. The rate margin will be determined based on the loan amount and type of deposit account. The term of the loan can be up to ten years with a minimum loan payment of $25.00.

Why wait? Your Deposit Secured Loan can be completed within 15 minutes!

Save money now by taking advantage of this program today.

Credit Builder

L&N Federal Credit Union’s Credit Builder Loan is a great way to establish or rebuild credit. A loan amount, in the range of $1,000 - $5,000, will be disbursed to a 12-60 month certificate. Monthly payment terms will then be set to match the term of the certificate.

When the loan is paid off, the amount of the certificate will be available to use as one chooses.


L&N Federal Credit Union's CashXpress is attached to your primary checking account and may be used as a safety net for checks that might not otherwise clear. This type of loan gives you accessible funds, peace of mind, and top-notch convenience.

CashXpress loans feature terms ranging from 1 - 3 years and rates as low as 10% APR* to qualified borrowers. Payments are based on the amount used.