Personal financing in Graves County.

County-by-county financing guides. No paperwork. No social. No ID.

2 institutions are headquartered inside the Graves County line. They are below, by name and by town.

Not this lane? Business FinancingHome Financing

In this county2DOORS INSIDE THE COUNTY LINE

1FUND THIS LANE HERE

THE DIRECTORY

The doors in Graves County.

The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.

THE MAP OF DOORSKentucky

Graves County

2: DOORS HERE
2: BASED HERE
44: KY COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Graves County · 37K residents
State: Kentucky →
Institutions: 122 inside the county line · 2 headquartered here

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No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Graves County2

Your Hometown Credit UnionMayfield · Credit union
Personal · Home · Business capital
Purchase Area Development DistrictMayfield · SBA microloan intermediary
Business capital

Serving all of Kentucky7

Community Ventures Corporation, Inc.SBA microlenderLexington · CDFI loan fund
Community lending · Business capital
Human/Economic Appalachian Development CorporationLondon · CDFI loan fund
Community lending · Business capital
Kentucky Highlands Investment CorporationSBA microlenderLondon · CDFI loan fund
Community lending · Business capital
Redbud Financial Alternatives, Inc.Hazard · CDFI loan fund
Community lending · Business capital
Mountain Association for Community Econ. Dev.Berea · SBA microloan intermediary
Business capital
IN THIS LIST
4 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Purchase Area Development DistrictMayfield · SBA microloan intermediary
Business capital
Southeast Kentucky Economic Dev. Corp. (SKED)Somerset · SBA microloan intermediary
Business capital

National — works with an ITIN3

Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital

NO SOCIAL SECURITY NUMBER

3 of these doors accept an ITIN.

They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

A porch at dusk, string lights on, two chairs pulled up — OPEN DOORS IN GRAVES COUNTY

THE GUIDE

This guide helps solo contractors, small real-estate investors, and working families in Graves County, Kentucky find honest, affordable personal financing. It focuses on the local lenders, credit unions, CDFIs, and community programs that actually serve this region — not distant national banks. Whether you have a Social Security number or an ITIN, there are options here for you. Take your time, compare your choices, and never feel pressured to sign anything quickly.

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN GRAVES COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN GRAVES COUNTY →44KY COUNTIES WITH DOORSThe whole stateEvery county in Kentucky, in this same lane.44 institutions fund personal financing inside Kentucky county lines.OPEN THE STATE →

The Kentucky counties with the most doors of this kind

Jefferson County15 doors Fayette County9 doors Daviess County5 doors Boone County4 doors Warren County4 doors Bullitt County4 doors Boyd County4 doors Greenup County4 doors

Across the network

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions