Personal loans in Ferguson, KY

For a community of about 864, the practical step is to compare APR across at least three lenders before committing. By population, Ferguson sits at 224th in Kentucky, with an estimated 864 residents. For the 864 people in Ferguson, Kentucky runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. From the 2020 Census base to the 2023 estimate, the population rose by about 0.5%. Borrowers who want a bigger city can look to Somerset, KY about 2 miles away.

What the Census records for Ferguson

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

• Population: a Census-estimated 864, 224th among Kentucky's 416 places (Vintage 2023).
• Population trend: Higher by roughly 0.5% since the 2020 count.
• People gained or lost: about 4 more since the 2020 base.
• Size percentile: roughly 46% of Kentucky places rank below Ferguson.
• Population density: 440 people per square mile on 2.0 square miles of land.
• Land area rank: Ferguson's 2.0 square miles rank 165th of 416 places in Kentucky.
• Share of state population: Ferguson's 864 residents are about 0.0% of Kentucky.
• National rank: Ferguson sits 10,855th by population among the 19,457 places in this dataset.
• Growth rank: Ferguson ranks 147th among Kentucky's 416 places for the 2020-to-2023 change.
• State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Ferguson's 0.5%.
• Density rank: Ferguson is the 350th most densely settled place in Kentucky.
• Density in context: Ferguson's 440 people per square mile sit against a Kentucky median of 1,045.
• Location: 37.0628 / -84.5986, per the US Census Bureau Gazetteer.
• Nearest larger cities: Somerset (2 mi); Monticello (21 mi); Mount Vernon (25 mi); Liberty (25 mi); Brodhead (26 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Burnside (5 mi); Science Hill (8 mi); Eubank (15 mi).
• Smaller neighbours: 11 places smaller than Ferguson sit within 50 miles.
• Larger places within 100 miles: 163.

What is available to Ferguson borrowers

Ferguson is lightly settled, with about 440 people per square mile and 28 larger places within 50 miles. Distance to a branch rarely matters for Ferguson's 864 residents: the application is online and the price follows your credit file. The nearest bigger place is Somerset, KY about 2 miles away.

A practical checklist for Ferguson borrowers

Complete these steps first when you borrow in Ferguson (864 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Kentucky regulator's records to confirm the lender is licensed here.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Kentucky; what changes is your credit file, not the fact that Ferguson holds 864 people.

Which Kentucky laws govern a loan in Ferguson

For the roughly 864 residents of Ferguson, the rules below are Kentucky's own; each row carries its publisher and retrieval date.

Ferguson in state context

Among Kentucky's 416 places, Ferguson sits at 224th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ferguson stands 147th among Kentucky's 416 places — roughly the 65th percentile. By density, at about 440 people per square mile, it ranks 350th in Kentucky. Between 2020 and 2023 the count changed by roughly 4 residents.

What shapes a Ferguson personal loan

Ferguson is a small community of about 864 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Ferguson 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 Ferguson loan is knowable in advance — unlike a revolving card balance.