Your Local Lender in the Bluegrass Region
When it comes to borrowing money, where you borrow matters. At Metro Plus Credit Union, lending is personal. We’re proud to be a trusted, local lender in Lexington and across the Bluegrass Region, helping our members finance what matters most — with competitive rates, local decisions, and guidance you can count on.
Whether you’re buying a car, purchasing a home, consolidating debt, or covering life’s unexpected expenses, Metro Plus offers straightforward loan options designed to help you save more, borrow smarter, and move forward with confidence.
We understand that no two members are alike. That’s why we offer a wide range of loan options to meet you where you are — and help you get where you’re going.
From daily commuters to weekend adventurers, reliable transportation matters. Our auto loans for new and used vehicles offer competitive rates, flexible terms, and local service you can trust. Refinancing an existing auto loan? We can help lower your rate or monthly payment so you keep more money in your pocket.
Great for:
- Working families managing monthly budgets
- Members looking to lower payments
- Buyers who want fast, local decisions
If you own your home, your equity can work for you. Our fixed-rate home equity loans provide a predictable payment and a smart way to consolidate high-interest debt, fund home improvements, or cover major expenses — without the uncertainty of variable rates.
Great for:
- Homeowners consolidating credit card debt
- Members planning renovations or repairs
- Borrowers who value payment stability
If you own your home, your equity can work for you. A Metro Plus Home Equity Line of Credit (HELOC) gives you flexible access to funds as you need them, with a revolving line of credit you can use for ongoing expenses, projects, or unexpected costs.
Great for:
- Homeowners who want flexible access to funds
- Members planning ongoing home projects or repairs
- Borrowers who prefer pay-as-you-go convenience
Home Mortgage Loans
Buying a home is a big step — and having a local lender by your side makes all the difference. Metro Plus offers mortgage solutions designed to help you prepare, purchase, or refinance with confidence. You’ll work with a local team that understands the Bluegrass market and takes the time to guide you through the process.
Great for:
- First-time homebuyers
- Growing families
- Members refinancing to improve cash flow
Life doesn’t always come with advance notice. Whether you’re covering an unexpected expense, planning a big purchase, or consolidating debt, our personal loans offer flexible terms and clear repayment options — without the confusion or hidden fees.
Great for:
- Members managing short-term expenses
- Borrowers who want one simple monthly payment
- Anyone who values speed and simplicity
Metro Plus credit cards are designed to give you purchasing power without the high-interest burden. With competitive rates and local support, our credit cards help you manage everyday spending, emergencies, or balance transfers more responsibly.
Great for:
- Members looking to reduce interest costs
- Everyday spending and emergencies
- Building or strengthening credit
Why Borrow with Metro Plus Credit Union?
Choosing Metro Plus means choosing a lender that puts people first. Here’s what sets us apart:
- Local decisions — Your loan is reviewed by people who live and work here
- Competitive rates and fewer fees — Because we’re not-for-profit
- Personal guidance — Real conversations, not call centers
- Flexible options — Loans designed for real budgets and real lives
- A trusted partner — We succeed when our members do
As a credit union, we don’t answer to shareholders...we answer to our members. That means our focus stays where it belongs: on helping you make smart financial decisions that support your goals.
Let’s Get Started
Whether you’re ready to apply or want to explore your options, our team is here to help. Visit us at our new headquarters in Lexington, apply online, or stop by to talk through the loan that’s right for you.
Metro Plus Credit Union
Save more. Borrow more. Plus more for you.