Rolling Fields at a glance
- Population: a Census-estimated 709, placing it 253rd among Kentucky's 416 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 720 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kentucky places: 253rd-largest of 416 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 39% of Kentucky places in population terms (US Census Bureau).
- Coordinates: 38.2689, -85.6708 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Indian Hills, KY (1 mi); Windy Hills, KY (2 mi); Northfield, KY (2 mi); Woodlawn Park, KY (2 mi); St. Matthews, KY (2 mi), each a US Census place with its estimated population.
- Smaller places close by: Mockingbird Valley, KY (0 mi); Brownsboro Village, KY (0 mi); Druid Hills, KY (1 mi) (US Census Bureau).
What a personal loan costs in Rolling Fields
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Kentucky lending rules that apply in Rolling Fields
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rolling Fields
These steps are the ones that most affect the offer you receive in Rolling Fields:
- 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.