Personal financing in Woodford County.

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

No institution is headquartered inside the Woodford County line, but 2 keep an office open here. They are below, by name and by town.

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Not this lane? Business FinancingHome Financing

In this county2DOORS INSIDE THE COUNTY LINE

THE DIRECTORY

The doors in Woodford 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

Woodford County

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

At a glance

Lane: Personal Financing
County: Woodford County · 27K residents
State: Kentucky →
Institutions: 122 inside the county line · 0 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.

Keeps a branch in Woodford County2

Based elsewhere, with a member-facing office inside the Woodford County line. You can walk in.

Commonwealth Credit UnionFrankfort · Credit union
Personal · Home · Business capital
Greater Kentucky Cu, Inc.Lexington · Credit union
Personal · Home

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 WOODFORD COUNTY

THE GUIDE

This guide helps solo contractors and small real-estate investors in Woodford County, Kentucky understand their personal financing options, who qualifies, what documents to gather, and which local institutions actually serve this community. We highlight local credit unions, CDFIs, and ITIN-friendly lenders — not just federal programs. We also walk you through common pitfalls and predatory patterns so you can make confident, informed decisions at your own pace.

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 WOODFORD COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN WOODFORD 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

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