Personal loans in Clay, KY

Clay is home to roughly 994 people and stands 202nd by size out of 416 Census places in Kentucky. From the 2020 Census base to the 2023 estimate, the population declined by about 3.5%. Rate-shopping from Clay costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Providence, KY about 7 miles away.

Clay: population, trend and location

Two layers matter for a Clay borrower: the local population picture and Kentucky's consumer-lending statutes.

• Population: 994 residents; Clay is the 202nd-largest of 416 places in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 3.5%.
• Absolute change: 36 residents lost between 2020 and 2023.
• Size percentile: bigger than about 51% of the places in Kentucky, with 994 residents in Clay.
• Population density: 1,153 people per square mile on 0.9 square miles of land.
• Land area rank: Clay's 0.9 square miles rank 240th of 416 places in Kentucky.
• State share: roughly 0.1% of Kentucky's residents live in Clay (994 people).
• National rank: Clay is the 10,223rd most populous of the 19,457 Census places covered here.
• Growth in Kentucky: Clay stands 383rd by percentage change from 2020 to 2023, among 416 places.
• Versus Kentucky: the state average change is -0.2%, while Clay moved 3.5%.
• Density in Kentucky: Clay ranks 188th by people per square mile.
• Against the state median: Clay runs about 1,153 residents per square mile, where the Kentucky median is 1,045.
• Location: latitude 37.4759, longitude -87.8203 (Census Gazetteer).
• Nearest larger cities: Providence (7 mi); Sturgis (10 mi); Morganfield (15 mi); Marion (17 mi); Sebree (19 mi). Larger metros often have more branches, but online lenders reach Clay on the same terms.
• Nearest smaller towns: Wheatcroft (2 mi); Dixon (8 mi); Nebo (12 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 52 smaller Census places.
• At 100 miles: 136 larger Census places fall inside that radius.

A practical checklist for Clay borrowers

These steps shape the offer you get in Clay, a place of about 994 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Kentucky regulator's licence list.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Kentucky; what changes is your credit file, not the fact that Clay holds 994 people.

Borrowing reach in Clay

With about 1,153 residents per square mile, Clay is moderately settled, and 29 larger Census places sit within 50 miles. A Kentucky licence lets a lender serve Clay without a local office, so branch density does not change what its 994 residents are offered. The nearest larger city, Providence, KY about 7 miles away.

Clay in state context

Clay is the 202nd-largest of 416 Census places in Kentucky and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 383rd of 416 Kentucky places, putting it near the 8th percentile for growth. By density, at about 1,153 people per square mile, it ranks 188th in Kentucky. In land area, Clay ranks 240th among Kentucky's 416 places.

The Kentucky lending rules that reach Clay

Every row below records a Kentucky rule, its publisher and its retrieval date — the same rules a Clay lender must follow.

Clay: area, density and distance

Clay covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,153 residents per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 188 miles. A 50-mile radius around Clay takes in 29 places that are larger. The 100-mile radius contains 136 larger places.