Livermore at a glance
- Population: the Census estimates 1,198 residents, ranking 190th of 416 places in Kentucky (Vintage 2023).
- 2020 Census base: 1,227 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kentucky places: the 190th-largest of 416 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 54% of Kentucky's Census places by population (US Census Bureau).
- Coordinates: latitude 37.4920, longitude -87.1341 (US Census Bureau Gazetteer).
- Nearest larger cities: Central City, KY (13 mi); Hartford, KY (14 mi); Beaver Dam, KY (16 mi); Owensboro, KY (18 mi); Greenville, KY (20 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Island, KY (3 mi); Calhoun, KY (8 mi); Sacramento, KY (9 mi), per US Census Bureau estimates.
What a personal loan costs in Livermore
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kentucky lending rules that apply in Livermore
The sourced rows below are the rules a licensed lender must follow when lending in Kentucky, and therefore in Livermore.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kentucky 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 basis | License 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 status | Permitted 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 licensing | Consumer 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 Livermore
Run through this list before signing anything in Livermore:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kentucky using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.