Manor Creek at a glance
- Population: 237 people, the 363rd-largest place among Kentucky's 416 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 240 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.2% below the 2020 Census base (US Census Bureau).
- Rank among Kentucky places: 363rd by size among 416 communities (US Census Bureau).
- Size percentile: ahead of around 13% of Kentucky places in population terms (US Census Bureau).
- Coordinates: 38.2979 latitude, -85.5882 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Broeck Pointe, KY (0 mi); Goose Creek, KY (0 mi); Brownsboro Farm, KY (0 mi); Murray Hill, KY (0 mi); Barbourmeade, KY (1 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Ten Broeck, KY (1 mi); Hickory Hill, KY (1 mi); Meadowbrook Farm, KY (2 mi), each a US Census place.
What a personal loan costs in Manor Creek
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kentucky lending rules that apply in Manor Creek
Read the table as the compliance picture for a lender serving Manor Creek: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Manor Creek
Run through this list before signing anything in Manor Creek:
- 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.