Personal loans in Barbourmeade, KY

Population in Barbourmeade dropped about 1.2% over the three years from 2020 to 2023. Barbourmeade is home to roughly 1,204 people and stands 186th by size out of 416 Census places in Kentucky.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Barbourmeade, Kentucky — home to about 1,204 people — is a small community, so the terms you are offered follow Kentucky law rather than any local rule. Judge Barbourmeade offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Barbourmeade's 1,204 residents is governed by Kentucky statute; no city ordinance changes it. The next larger city is Graymoor-Devondale, KY about 2 miles away.

Barbourmeade: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Kentucky rules a lender must follow — and they are below.

Barbourmeade on the map

Barbourmeade's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. With 1,204 residents, the land area yields roughly 3,048 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 65 miles away. A 50-mile radius around Barbourmeade takes in 63 places that are larger. The 100-mile radius contains 238 larger places.

The anatomy of a Barbourmeade personal loan

In Barbourmeade, a small community of about 1,204, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Barbourmeade's rank of 186th in Kentucky: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Barbourmeade loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Barbourmeade

Barbourmeade is a fairly dense community of about 1,204 people, with 63 larger places inside a 50-mile radius. Distance to a branch rarely matters for Barbourmeade's 1,204 residents: the application is online and the price follows your credit file. The nearest larger city, Graymoor-Devondale, KY about 2 miles away.

Barbourmeade in state context

Among Kentucky's 416 places, Barbourmeade sits at 186th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Barbourmeade stands 277th among Kentucky's 416 places — roughly the 33th percentile. By density, at about 3,048 people per square mile, it ranks 68th in Kentucky. The population moved by about 15 people between 2020 and 2023, a 1.2% shift.

What Kentucky law requires in Barbourmeade

When Kentucky does not publish a figure, the row links to the source instead of inventing a number; Barbourmeade is bound by the same rules.

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
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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Barbourmeade if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Barbourmeade is the same as anywhere in Kentucky.
What loan size can I expect in Barbourmeade?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Barbourmeade?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Barbourmeade cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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