Worthville at a glance
- Population: the Census estimates 176 residents, ranking 383rd of 416 places in Kentucky (Vintage 2023).
- 2020 Census base: 173 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 1.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kentucky places: 383rd-largest of 416 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 8% of Kentucky's Census places are smaller (US Census Bureau).
- Coordinates: 38.6101, -85.0669 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Carrollton, KY (7 mi); Sanders, KY (7 mi); Prestonville, KY (8 mi); Ghent, KY (8 mi); Vevay, IN (9 mi) (US Census Bureau populations).
- Smaller places close by: Gratz, KY (11 mi); Brooksburg, IN (13 mi); Monterey, KY (17 mi) (US Census Bureau).
What a personal loan costs in Worthville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kentucky lending rules that apply in Worthville
The table lists the Kentucky rules that apply to a loan made in Worthville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Worthville
Before you commit to a personal loan in Worthville, work through these steps:
- 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.