Personal loans in Glencoe, KY
Two households in Glencoe with comparable incomes can still be offered different rates; the city's 351 residents are not the reason. With 351 residents, Glencoe outranks about 20% of the communities in Kentucky.
Compare APR, not the interest rate, because the APR folds in most fees on a Glencoe loan. Population in Glencoe climbed about 0.6% over the three years from 2020 to 2023. Consumer lending that reaches Glencoe's 351 residents is governed by Kentucky statute; no city ordinance changes it. For a bigger market, look to Warsaw, KY about 6 miles away.
Where Glencoe stands
Glencoe is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 351 people, a figure that places Glencoe 331st among the 416 Census places in Kentucky (US Census Bureau, Vintage 2023).
- Population trend: About 0.6% above the 2020 Census base.
- Absolute change: 2 residents added between 2020 and 2023.
- Size percentile: roughly 20% of Kentucky places rank below Glencoe.
- Population density: about 199 people per square mile across 1.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Glencoe covers 1.8 square miles, the 174th-largest area among Kentucky's 416 places.
- Water area: Glencoe has 0.01 square miles of water, ranking 181st of 416 places in Kentucky.
- Within Kentucky: about 0.0% of the state's population lives in Glencoe.
- National standing: Glencoe ranks 14,581st of 19,457 US places.
- Growth rank: Glencoe's 2020-to-2023 change ranks 141st of 416 places in Kentucky.
- State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Glencoe's 0.6%.
- Density rank: Glencoe is the 398th most densely settled place in Kentucky.
- Density vs Kentucky: Glencoe's 199 people per square mile compare with a state median of 1,045.
- Location: 38.7250, -84.8233 (US Census Bureau Gazetteer).
- Nearest larger cities: Warsaw (6 mi); Dry Ridge (12 mi); Crittenden (13 mi); Owenton (13 mi); Ghent (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Sparta (5 mi); Patriot (8 mi); Sanders (8 mi).
- Smaller neighbours: 31 places smaller than Glencoe sit within 50 miles.
- Larger places within 100 miles: 434.
How personal loans work in Glencoe
With roughly 351 residents, Glencoe is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Glencoe's rank of 331st in Kentucky: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Glencoe loan but raises total interest, so the smallest payment is not the cheapest loan.
Lender access in Glencoe
Glencoe is lightly settled, with about 199 people per square mile and 137 larger places within 50 miles. A Kentucky licence lets a lender serve Glencoe without a local office, so branch density does not change what its 351 residents are offered. The nearest bigger place is Warsaw, KY about 6 miles away.
The geography behind Glencoe
The Census Gazetteer records 1.8 square miles of land and 0.01 square miles of water within Glencoe. Spread across it are roughly 199 residents per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 51 miles away. Counting outward 50 miles, 137 larger communities surround Glencoe. The 100-mile radius contains 434 larger places.
Where Glencoe sits in Kentucky
Glencoe is the 331st-largest of 416 Census places in Kentucky and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Glencoe stands 141st among Kentucky's 416 places — roughly the 66th percentile. Its roughly 199 residents per square mile place it 398th among Kentucky's places. The population moved by about 2 people between 2020 and 2023, a 0.6% shift.
Which Kentucky laws govern a loan in Glencoe
For the roughly 351 residents of Glencoe, the rules below are Kentucky's own; each row carries its publisher and retrieval date.
| 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 |
| Payday lending status | Permitted 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 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 |
Common questions
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Nearby places
- Sparta, KY — population 239
- Warsaw, KY — population 1,759
- Patriot, IN — population 205
- Sanders, KY — population 197
- Owenton, KY — population 1,669
- Dry Ridge, KY — population 2,199
- Crittenden, KY — population 4,106
- Rising Sun, IN — population 2,228