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Personal loans in Barbourville, KY

In Barbourville, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census data place Barbourville's population near 3,145, the 104th-largest among Kentucky's 416 Census places. Lenders in Kentucky work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Barbourville at a glance

  • Population: about 3,145, 104th by size in Kentucky of 416 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 3,214 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: population fell about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Kentucky places: the 104th-largest of 416 (US Census Bureau, 2023 estimate).
  • Size percentile: larger than about 75% of the Census places in Kentucky (US Census Bureau).
  • Coordinates: 36.8657, -83.8832 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Corbin, KY (13 mi); Williamsburg, KY (18 mi); Middlesborough, KY (20 mi); London, KY (20 mi); Harrogate, TN (24 mi) (US Census Bureau populations).
  • Nearest smaller communities: Pineville, KY (13 mi); Manchester, KY (21 mi); Cumberland Gap, TN (22 mi) (Census populations).

What a personal loan costs in Barbourville

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Kentucky lending rules that apply in Barbourville

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
State lending regulatorKentucky Department of Financial Institutions (DFI)
Source says: "The Department of Financial Institutions' mission is to serve Kentucky residents by promoting access to a stable financial industry, implementing effective and efficient regulatory oversight".		Kentucky Department of Financial Institutions
as of 2026-09-16
Consumer Loan Company license — statutory basisLicense required from the commissioner to make loans at a greater rate of interest than otherwise permitted by law
Source says: "No person shall, without first obtaining a license from the commissioner, engage in the business of making loans ... at a greater rate of interest".		Kentucky Legislative Research Commission (Kentucky Revised Statutes)
as of 2026-09-16
Maximum legal interest rate (usury cap)Up to 19% per annum, or 4% over the 90-day commercial-paper discount rate, whichever is less (by written agreement)
Source says: "At a per annum rate not to exceed four percent (4%) in excess of the discount rate on ninety (90) day commercial paper ... or nineteen percent (19%), whichever is less".		Kentucky Legislative Research Commission (Kentucky Revised Statutes)
as of 2026-09-16
Payday lending statusPermitted under license (deferred deposit service business; payday loans)
Source says: "The Kentucky Department of Financial Institutions (DFI) has secured the services of Veritec Solutions, LLC to provide a common database with real-time access for deferred deposit transactions".		Kentucky Department of Financial Institutions
as of 2026-09-16
Small-loan / installment lender licensingConsumer Loan Company license required (KRS Chapter 286.4)
Source says: "How to License a Consumer Loan Company: 1. Read KRS 286.4 and the applicable administrative regulations under KAR 808, Chapter 6".		Kentucky Department of Financial Institutions
as of 2026-09-16

How to compare offers in Barbourville

Here is a short checklist for comparing personal loans in Barbourville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Kentucky using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Barbourville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Barbourville are the same as elsewhere in Kentucky.
How much can I borrow with a personal loan in Barbourville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Barbourville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Barbourville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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