Personal loans in Cambridge, KY

A 2020-to-2023 comparison shows Cambridge down by about 1.2%. Compare APR, not the interest rate, because the APR folds in most fees on a Cambridge loan. State law, not city hall, decides what a lender may do to Cambridge's roughly 160 residents, and a state regulator supervises it. The nearest larger metro is St. Regis Park, KY about 0 miles away.

The Cambridge data picture

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

• Population: about 160, ranked 389th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 1.2% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
• Size percentile: roughly 6% of Kentucky places rank below Cambridge.
• Density: roughly 2,909 residents per square mile, spread over 0.1 sq mi of land.
• By land area: Cambridge ranks 407th among Kentucky's 416 places, at 0.1 sq mi.
• Share of Kentucky: Cambridge holds about 0.0% of the state's population, some 160 people.
• National rank: Cambridge is 17,117th of 19,457 places nationwide.
• Growth in Kentucky: Cambridge stands 279th by percentage change from 2020 to 2023, among 416 places.
• Against the state trend: Cambridge's 1.2% change compares with a Kentucky average of -0.2% across its 416 places.
• Density rank: Cambridge places 76th among Kentucky's places by people per square mile.
• Density vs Kentucky: Cambridge's 2,909 people per square mile compare with a state median of 1,045.
• Location: the Census Gazetteer records it at 38.2217, -85.6170.
• Nearest larger cities: St. Regis Park (0 mi); Houston Acres (0 mi); Meadowview Estates (1 mi); Hurstbourne Acres (1 mi); Forest Hills (2 mi). Online lenders reach Cambridge no matter how far the nearest branch is.
• Smaller communities close by: Lincolnshire (0 mi); Meadowbrook Farm (5 mi); Hickory Hill (5 mi), each with its own Census population profile.
• Smaller neighbours: 20 places smaller than Cambridge sit within 50 miles.
• Within 100 miles: 432 places are larger than Cambridge.

What Kentucky law requires in Cambridge

The rows below set out what a licensed lender must follow in Kentucky, and so for Cambridge's roughly 160 residents.

Borrowing reach in Cambridge

At roughly 2,909 people per square mile, Cambridge is fairly dense; 153 larger places lie within 50 miles. What is available to Cambridge's 160 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. The nearest bigger place is St. Regis Park, KY about 0 miles away.

How Cambridge compares across Kentucky

Set beside Kentucky's 416 places, Cambridge ranks 389th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Cambridge stands 279th among Kentucky's 416 places — roughly the 33th percentile. By density, at about 2,909 people per square mile, it ranks 76th in Kentucky. Between 2020 and 2023 the count changed by roughly 2 residents.

What shapes a Cambridge personal loan

With roughly 160 residents, Cambridge is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Cambridge lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Cambridge loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Cambridge borrowers

Before you hand your details to a lender in Cambridge, where the population is near 160:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Kentucky regulator's licence list.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Cambridge as elsewhere in Kentucky, the written terms — not the advertisement — are what count for its 160 residents.