Personal loans in Crofton, KY

With 642 residents, Crofton outranks about 36% of the communities in Kentucky. Compare APR, not the interest rate, because the APR folds in most fees on a Crofton loan. A single loan can carry different costs on either side of a state line, and Crofton sits on the Kentucky side of that line. For a bigger market, look to Nortonville, KY about 10 miles away.

Borrowing in Crofton: the local picture

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

• Population: a Census-estimated 642, 267th among Kentucky's 416 places (Vintage 2023).
• Population trend: Lower by roughly 2.1% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 14 residents.
• Size percentile: roughly 36% of Kentucky places rank below Crofton.
• Population density: about 1,011 people per square mile (Census land area 0.6 sq mi).
• Land area rank: Crofton's 0.6 square miles rank 270th of 416 places in Kentucky.
• State share: roughly 0.0% of Kentucky's residents live in Crofton (642 people).
• National standing: Crofton ranks 12,152nd of 19,457 US places.
• Growth rank: Crofton's 2020-to-2023 change ranks 339th of 416 places in Kentucky.
• Against the state trend: Crofton's 2.1% change compares with a Kentucky average of -0.2% across its 416 places.
• Density rank: Crofton places 213th among Kentucky's places by people per square mile.
• Density vs Kentucky: Crofton's 1,011 people per square mile compare with a state median of 1,045.
• Location: latitude 37.0479, longitude -87.4835 (Census Gazetteer).
• Nearest larger cities: Nortonville (10 mi); White Plains (10 mi); Mortons Gap (13 mi); Dawson Springs (14 mi); Hopkinsville (14 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: St. Charles (11 mi); Nebo (25 mi); Trenton (26 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 24 of them.
• Larger places within 100 miles: 187.

Crofton: area, density and distance

Crofton's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,011 people per square mile. Lexington-Fayette, the largest place in Kentucky, is about 179 miles from Crofton. Counting outward 50 miles, 40 larger communities surround Crofton. The 100-mile radius contains 187 larger places.

How lenders reach Crofton

Crofton is moderately settled, with about 1,011 people per square mile and 40 larger places within 50 miles. What is available to Crofton's 642 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Nortonville, KY about 10 miles away.

How Crofton compares across Kentucky

Within Kentucky, Crofton holds roughly 0.0% of all residents, the 267th-largest share among 416 places. For population change between 2020 and 2023, Crofton ranks 339th of 416 in Kentucky (about the 19th percentile). By density, at about 1,011 people per square mile, it ranks 213th in Kentucky. Between 2020 and 2023 the count changed by roughly 14 residents.

Kentucky consumer-lending rules applied in Crofton

For the roughly 642 residents of Crofton, the rules below are Kentucky's own; each row carries its publisher and retrieval date.

The Crofton borrowing checklist

A sensible order of operations for a loan in Crofton, home to about 642 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Kentucky licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Crofton and the rest of Kentucky is not the process but the borrower's own file, among the 642 people here.