Personal loans in Forest Hills, KY
The Census estimates 434 residents in Forest Hills, which ranks it 311th of 416 places in Kentucky. If you are weighing a personal loan in Forest Hills, start from the payment you can carry; its 434 residents face the same statewide rules.
The trend for Forest Hills between 2020 and 2023 is downward by roughly 1.1%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Forest Hills loan. Every figure below is Kentucky's own, applied to Forest Hills's 434 residents, with the publisher and retrieval date attached. The closest larger place is Hurstbourne Acres, KY about 0 miles away.
Borrowing in Forest Hills: the local picture
Here is the sourced Census picture for Forest Hills, plus the Kentucky lending rules that apply to a loan taken out here.
- Population: an estimated 434 residents, 311th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: About 1.1% below the 2020 Census base.
- People gained or lost: about 5 fewer since the 2020 base.
- Size percentile: roughly 25% of Kentucky places rank below Forest Hills.
- Population density: 1,502 people per square mile on 0.3 square miles of land.
- Land area rank: Forest Hills's 0.3 square miles rank 323rd of 416 places in Kentucky.
- Within Kentucky: about 0.0% of the state's population lives in Forest Hills.
- National standing: Forest Hills ranks 13,747th of 19,457 US places.
- Growth in Kentucky: Forest Hills stands 263rd by percentage change from 2020 to 2023, among 416 places.
- Against the state trend: Forest Hills's 1.1% change compares with a Kentucky average of -0.2% across its 416 places.
- Density rank: Forest Hills places 146th among Kentucky's places by people per square mile.
- Against the state median: Forest Hills runs about 1,502 residents per square mile, where the Kentucky median is 1,045.
- Location: the Census Gazetteer records it at 38.2168, -85.5856.
- Nearest larger cities: Hurstbourne Acres (0 mi); Jeffersontown (1 mi); Houston Acres (2 mi); Hurstbourne (2 mi); St. Regis Park (2 mi). Lenders licensed in the state serve Forest Hills whether or not they keep a local branch.
- Smaller communities within reach: Cambridge (2 mi); Lincolnshire (2 mi); Wildwood (2 mi).
- Within a 50-mile radius: 59 smaller Census places.
- At 100 miles: 345 larger Census places fall inside that radius.
How Forest Hills compares across Kentucky
Within Kentucky, Forest Hills holds roughly 0.0% of all residents, the 311th-largest share among 416 places. Its 2020-to-2023 change ranks 263rd of 416 Kentucky places, putting it near the 37th percentile for growth. At about 1,502 people per square mile, Forest Hills is the 146th most densely settled place in Kentucky. By land area, its 0.3 square miles rank 323rd of 416 places in Kentucky.
The state rulebook for Forest Hills
The rows below set out what a licensed lender must follow in Kentucky, and so for Forest Hills's roughly 434 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kentucky 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 |
| Small-loan / installment lender licensing | Consumer 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 |
| Consumer Loan Company license — statutory basis | License 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 |
Inside a Forest Hills personal loan
Most loans made to Forest Hills's 434 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Forest Hills lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Forest Hills loan is knowable in advance — unlike a revolving card balance.
Borrowing reach in Forest Hills
At roughly 1,502 people per square mile, Forest Hills is moderately settled; 117 larger places lie within 50 miles. A Kentucky licence lets a lender serve Forest Hills without a local office, so branch density does not change what its 434 residents are offered. For a larger market, the closest option is Hurstbourne Acres, KY about 0 miles away.
Forest Hills: area, density and distance
The Census Gazetteer records about 0.3 square miles of land within Forest Hills, with no significant water area listed. The resulting density is about 1,502 people per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 62 miles away. Counting outward 50 miles, 117 larger communities surround Forest Hills. Within the same 50 miles lie 59 smaller Census places.
Common questions
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Nearby places
- Hurstbourne Acres, KY — population 1,943
- Jeffersontown, KY — population 28,716
- Hurstbourne, KY — population 4,645
- Houston Acres, KY — population 491
- Cambridge, KY — population 160
- St. Regis Park, KY — population 1,420
- Blue Ridge Manor, KY — population 784
- Wildwood, KY — population 276