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Personal loans in Warfield, KY

Borrowers in Warfield use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census estimates count about 241 residents in Warfield, making it the 360th-largest of 416 places in Kentucky. Kentucky law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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

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Warfield at a glance

  • Population: 241 (US Census Bureau, Vintage 2023 subcounty estimate), the 360th-largest of 416 places in Kentucky.
  • 2020 Census base: 258 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 6.6% lower than the 2020 Census base (US Census Bureau).
  • Rank among Kentucky places: 360th of the state's 416 Census places (US Census Bureau).
  • Size percentile: about 13% of places in Kentucky are smaller (US Census Bureau).
  • Coordinates: 37.8391, -82.4223 (US Census Bureau Gazetteer).
  • Nearest larger cities: Kermit, WV (1 mi); Inez, KY (7 mi); Williamson, WV (14 mi); Delbarton, WV (16 mi); Matewan, WV (21 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Allen, KY (23 mi); Blaine, KY (26 mi); Iaeger, WV (42 mi) — US Census Bureau populations.

What a personal loan costs in Warfield

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

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.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Kentucky lending rules that apply in Warfield

Each row below is a Kentucky rule with its publisher and the date it was retrieved.

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 Warfield

These steps are the ones that most affect the offer you receive in Warfield:

  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 Warfield?
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 Warfield are the same as elsewhere in Kentucky.
How much can I borrow with a personal loan in Warfield?
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 Warfield 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 Warfield 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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