Pewee Valley at a glance
- Population: 1,634 residents, the 164th-largest of 416 places in Kentucky (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,587 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 3.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kentucky places: 164th of 416 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 61% of places in Kentucky are smaller (US Census Bureau).
- Coordinates: 38.3122 / -85.4896, per the US Census Bureau Gazetteer.
- Nearest larger cities: Crestwood, KY (2 mi); Anchorage, KY (4 mi); Middletown, KY (5 mi); Douglass Hills, KY (6 mi); Lyndon, KY (6 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Orchard Grass Hills, KY (2 mi); Coldstream, KY (2 mi); Worthington Hills, KY (2 mi) (US Census Bureau).
What a personal loan costs in Pewee Valley
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kentucky lending rules that apply in Pewee Valley
The sourced rows below are the rules a licensed lender must follow when lending in Kentucky, and therefore in Pewee Valley.
| 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 Pewee Valley
Here is a short checklist for comparing personal loans in Pewee Valley:
- 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.