Personal loans in Coal Run Village, KY

With roughly 1,600 residents, Coal Run Village is a small community, and the lending rules its borrowers live under are written in Kentucky, not by the city.

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

Compare loan offers Run the numbers first

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.

With an estimated 1,600 residents, Coal Run Village is the 166th-largest of 416 places in Kentucky. The closest larger place is Pikeville, KY about 4 miles away. Coal Run Village lost roughly 4.0% of its population across the 2020-to-2023 comparison. Which products a lender may offer to Coal Run Village's 1,600 residents follows from the Kentucky consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Coal Run Village loan.

Borrowing in Coal Run Village: the local picture

The figures below are Coal Run Village's own — Census population, land area and coordinates — followed by the Kentucky rules.

Coal Run Village: area, density and distance

Inside Coal Run Village's boundaries lie roughly 8.8 square miles of land and 0.04 square miles of water. With 1,600 residents, the land area yields roughly 183 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 110 miles. Counting outward 50 miles, 14 larger communities surround Coal Run Village. The 100-mile radius contains 98 larger places.

The state rulebook for Coal Run Village

This table holds the Kentucky rate and licensing rules for consumer loans made to Coal Run Village's 1,600 residents.

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
Consumer Loan Company license — statutory basisLicense 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

Borrowing reach in Coal Run Village

Coal Run Village is a lightly settled community of about 1,600 people, with 14 larger places inside a 50-mile radius. What is available to Coal Run Village's 1,600 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Pikeville, KY about 4 miles away.

What shapes a Coal Run Village personal loan

In Coal Run Village, a small community of about 1,600, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Coal Run Village can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Coal Run Village loan is knowable in advance — unlike a revolving card balance.

Coal Run Village against the rest of Kentucky

Within Kentucky, Coal Run Village holds roughly 0.1% of all residents, the 166th-largest share among 416 places. On the 2020-to-2023 trend, Coal Run Village stands 387th among Kentucky's 416 places — roughly the 7th percentile. By density, at about 183 people per square mile, it ranks 402nd in Kentucky. Within 50 miles sit 40 smaller Census places, alongside the 14 that are larger.

Compare personal loan offers Run the numbers first

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 Coal Run Village 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 Coal Run Village is the same as anywhere in Kentucky.
What loan size can I expect in Coal Run Village?
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 Coal Run Village?
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 Coal Run Village 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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