Personal loans in Fleming-Neon, KY

A lender serving Fleming-Neon holds a Kentucky licence and answers to a Kentucky regulator; no city office is involved for its 521 residents. Fleming-Neon shed about 4.6% of its population between the 2020 base and the 2023 estimate.

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.

Fleming-Neon is home to roughly 521 people and stands 292nd by size out of 416 Census places in Kentucky. For a community of about 521, the practical step is to compare APR across at least three lenders before committing. For the 521 people in Fleming-Neon, Kentucky runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Borrowers who want a bigger city can look to Jenkins, KY about 4 miles away.

Fleming-Neon by the numbers

Fleming-Neon is a small community; the notes below cover its population profile and the statewide rules that apply.

Getting a loan in Fleming-Neon

At roughly 323 people per square mile, Fleming-Neon is lightly settled; 37 larger places lie within 50 miles. Lenders licensed in Kentucky reach Fleming-Neon's 521 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Jenkins, KY about 4 miles away.

Where Fleming-Neon sits in Kentucky

Among Kentucky's 416 places, Fleming-Neon sits at 292nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Fleming-Neon ranks 393rd of 416 in Kentucky (about the 6th percentile). At about 323 people per square mile, Fleming-Neon is the 376th most densely settled place in Kentucky. In land area, Fleming-Neon ranks 182nd among Kentucky's 416 places.

The state rulebook for Fleming-Neon

For the roughly 521 residents of Fleming-Neon, the rules below are Kentucky's own; each row carries its publisher and retrieval date.

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
Payday lending statusPermitted under license (deferred deposit service business; payday loans)
Source says: "The Kentucky Department of Financial Institutions (DFI) has secured the services of Veritec Solutions, LLC to provide a common database with real-time access for deferred deposit transactions".		Kentucky Department of Financial Institutions
as of 2026-09-16
Small-loan / installment lender licensingConsumer Loan Company license required (KRS Chapter 286.4)
Source says: "How to License a Consumer Loan Company: 1. Read KRS 286.4 and the applicable administrative regulations under KAR 808, Chapter 6".		Kentucky Department of Financial Institutions
as of 2026-09-16

Where Fleming-Neon sits

The Census Gazetteer records about 1.6 square miles of land within Fleming-Neon, with no significant water area listed. Spread across it are roughly 323 residents per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 112 miles away. A 50-mile radius around Fleming-Neon takes in 37 places that are larger. Within the same 50 miles lie 20 smaller Census places.

A practical checklist for Fleming-Neon borrowers

Complete these steps first when you borrow in Fleming-Neon (521 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Kentucky licence with the regulator listed on this page.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

What differs between Fleming-Neon and the rest of Kentucky is not the process but the borrower's own file, among the 521 people here.

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 Fleming-Neon 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 Fleming-Neon is the same as anywhere in Kentucky.
What loan size can I expect in Fleming-Neon?
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 Fleming-Neon?
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 Fleming-Neon 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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