Personal loans in Fort Thomas, KY

State law, not city hall, decides what a lender may do to Fort Thomas's roughly 16,973 residents, and a state regulator supervises it. Roughly 16,973 residents live in Fort Thomas, the 26th-largest community in Kentucky. Compare APR, not the interest rate, because the APR folds in most fees on a Fort Thomas loan. Fort Thomas shed about 2.6% of its population between the 2020 base and the 2023 estimate. The closest larger place is Covington, KY about 5 miles away.

Borrowing in Fort Thomas: the local picture

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

• Population: 16,973 — Fort Thomas ranks 26th of 416 communities in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 2.6%.
• Change in people: the 2020-to-2023 comparison is a loss of about 462 residents.
• Size percentile: roughly 94% of Kentucky's places have fewer residents than Fort Thomas's 16,973.
• Density: the Census land area of 5.7 sq mi holds about 2,991 people per square mile.
• Land area: Fort Thomas covers 5.7 square miles, the 66th-largest area among Kentucky's 416 places.
• Water area rank: Fort Thomas ranks 158th among Kentucky's 416 places, with 0.02 sq mi.
• Share of state population: Fort Thomas's 16,973 residents are about 0.9% of Kentucky.
• National standing: Fort Thomas ranks 2,156th of 19,457 US places.
• Growth rank: Fort Thomas's 2020-to-2023 change ranks 359th of 416 places in Kentucky.
• Versus Kentucky: the state average change is -0.2%, while Fort Thomas moved 2.6%.
• Density in Kentucky: Fort Thomas ranks 72nd by people per square mile.
• Against the state median: Fort Thomas runs about 2,991 residents per square mile, where the Kentucky median is 1,045.
• Location: the Census Gazetteer records it at 39.0824, -84.4571.
• Nearest larger cities: Covington (5 mi); Cincinnati (5 mi); Norwood (5 mi); Erlanger (8 mi); Independence (10 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Woodlawn (1 mi); Southgate (1 mi); Newport (2 mi), each with its own Census population profile.
• Smaller places within 50 miles: 178 of them.
• Larger places within 100 miles: 59.

Fort Thomas on the map

Fort Thomas's land area is about 5.7 square miles; a further 0.02 square miles is water. With 16,973 residents, the land area yields roughly 2,991 people per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 72 miles away. A 50-mile radius around Fort Thomas takes in 20 places that are larger. The 100-mile radius contains 59 larger places.

Fort Thomas against the rest of Kentucky

Set beside Kentucky's 416 places, Fort Thomas ranks 26th by population and holds about 0.9% of the state total. Its 2020-to-2023 change ranks 359th of 416 Kentucky places, putting it near the 14th percentile for growth. At about 2,991 people per square mile, Fort Thomas is the 72nd most densely settled place in Kentucky. Between 2020 and 2023 the count changed by roughly 462 residents.

The state rulebook for Fort Thomas

This table holds the Kentucky rate and licensing rules for consumer loans made to Fort Thomas's 16,973 residents.

What shapes a Fort Thomas personal loan

With roughly 16,973 residents, Fort Thomas is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Fort Thomas lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Fort Thomas loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Fort Thomas

With about 2,991 residents per square mile, Fort Thomas is fairly dense, and 20 larger Census places sit within 50 miles. A Kentucky licence lets a lender serve Fort Thomas without a local office, so branch density does not change what its 16,973 residents are offered. The nearest larger city, Covington, KY about 5 miles away.