Personal loans in Bellemeade, KY
A personal loan in Bellemeade is priced from your credit file and income, not from the fact that the city holds 893 people. By population, Bellemeade sits at 218th in Kentucky, with an estimated 893 residents.
The nearest larger metro is Hurstbourne, KY about 1 miles away. Population in Bellemeade dropped about 1.3% over the three years from 2020 to 2023. When Kentucky caps or restricts a product, lenders either change the terms or withdraw it from Bellemeade as from the rest of the state. Decide the purpose of the loan and your repayment plan before sharing any details with a Bellemeade lender.
Bellemeade: population, trend and location
Most of what governs a Bellemeade loan is written in Kentucky law rather than in the city; the sourced notes below make that split concrete.
- Population: 893 people, a figure that places Bellemeade 218th among the 416 Census places in Kentucky (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.3% between 2020 and 2023.
- Net change: roughly 12 fewer people than the 2020 Census counted.
- Size percentile: Bellemeade's 893 people outrank roughly 48% of the places in Kentucky.
- Density: the Census land area of 0.3 sq mi holds about 3,048 people per square mile.
- Land area rank: Bellemeade's 0.3 square miles rank 322nd of 416 places in Kentucky.
- Share of Kentucky: Bellemeade holds about 0.0% of the state's population, some 893 people.
- National rank: Bellemeade is the 10,722nd most populous of the 19,457 Census places covered here.
- Growth rank: Bellemeade's 2020-to-2023 change ranks 290th of 416 places in Kentucky.
- Versus Kentucky: the state average change is -0.2%, while Bellemeade moved 1.3%.
- Density in Kentucky: Bellemeade ranks 69th by people per square mile.
- Against the state median: Bellemeade runs about 3,048 residents per square mile, where the Kentucky median is 1,045.
- Location: the Census Gazetteer records it at 38.2510, -85.5910.
- Nearest larger cities: Hurstbourne (1 mi); Lyndon (1 mi); Graymoor-Devondale (2 mi); St. Regis Park (2 mi); Hurstbourne Acres (2 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Wildwood (1 mi); Norwood (1 mi); Blue Ridge Manor (2 mi).
- Smaller places within 50 miles: 98 of them.
- Larger places within 100 miles: 263.
A pre-application checklist for Bellemeade
Before you apply in Bellemeade, a community of about 893, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Kentucky regulator's licence records before you sign.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Bellemeade and the rest of Kentucky is not the process but the borrower's own file, among the 893 people here.
How personal loans work in Bellemeade
Bellemeade is a small community of about 893 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Bellemeade loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Bellemeade loan is knowable in advance — unlike a revolving card balance.
Which Kentucky laws govern a loan in Bellemeade
Every row below records a Kentucky rule, its publisher and its retrieval date — the same rules a Bellemeade lender must follow.
| 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 |
Land, water and location for Bellemeade
Bellemeade covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 3,048 residents per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 63 miles. Counting outward 50 miles, 78 larger communities surround Bellemeade. Within the same 50 miles lie 98 smaller Census places.
Where Bellemeade sits in Kentucky
Set beside Kentucky's 416 places, Bellemeade ranks 218th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Bellemeade ranks 290th of 416 in Kentucky (about the 30th percentile). Its roughly 3,048 residents per square mile place it 69th among Kentucky's places. In land area, Bellemeade ranks 322nd among Kentucky's 416 places.
Common questions
What are my options in Bellemeade if my credit is poor?
What loan size can I expect in Bellemeade?
Do I have to pledge anything to borrow in Bellemeade?
Does comparing loans in Bellemeade cost me credit score points?
Nearby places
- Hurstbourne, KY — population 4,645
- Lyndon, KY — population 10,909
- Wildwood, KY — population 276
- Norwood, KY — population 375
- Moorland, KY — population 428
- Briarwood, KY — population 440
- Blue Ridge Manor, KY — population 784
- Westwood, KY — population 567