Personal loans in Loretto, KY

Work out your debt-to-income ratio first; lenders weigh it heavily, and Loretto's 714 residents are no exception. The Census estimates 714 residents in Loretto, which ranks it 251st of 416 places in Kentucky. When Kentucky caps or restricts a product, lenders either change the terms or withdraw it from Loretto as from the rest of the state. Population in Loretto dropped about 0.4% over the three years from 2020 to 2023. A larger market lies at Lebanon, KY about 9 miles away.

What the Census records for Loretto

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

• Population: 714 — Loretto ranks 251st of 416 communities in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.4% from 2020 to 2023.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: about 40% of Kentucky communities are smaller than Loretto (714 residents).
• Population density: about 223 people per square mile (Census land area 3.2 sq mi).
• Land area rank: Loretto's 3.2 square miles rank 111th of 416 places in Kentucky.
• Water area: Loretto has 0.03 square miles of water, ranking 113th of 416 places in Kentucky.
• Within Kentucky: about 0.0% of the state's population lives in Loretto.
• National rank: Loretto is the 11,717th most populous of the 19,457 Census places covered here.
• Growth in Kentucky: Loretto stands 190th by percentage change from 2020 to 2023, among 416 places.
• State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Loretto's 0.4%.
• Density rank: Loretto is the 394th most densely settled place in Kentucky.
• Density in context: Loretto's 223 people per square mile sit against a Kentucky median of 1,045.
• Location: it lies at 37.6420, -85.3931 in the Census Gazetteer.
• Nearest larger cities: Lebanon (9 mi); Springfield (10 mi); New Haven (11 mi); Bardstown (13 mi); Bloomfield (19 mi). Online lenders reach Loretto no matter how far the nearest branch is.
• Smaller places close by: St. Mary (5 mi); Raywick (6 mi); Bradfordsville (17 mi).
• Smaller neighbours: 65 places smaller than Loretto sit within 50 miles.
• Within 100 miles: 205 places are larger than Loretto.

How Kentucky law applies in Loretto

Below are the Kentucky rules that apply to a loan made in Loretto, each with the regulator that issued it.

Lender access in Loretto

Loretto is a lightly settled community of about 714 people, with 80 larger places inside a 50-mile radius. Lenders licensed in Kentucky reach Loretto's 714 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Lebanon, KY about 9 miles away.

What shapes a Loretto personal loan

With roughly 714 residents, Loretto is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Loretto lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Loretto loan is knowable in advance — unlike a revolving card balance.

Where Loretto sits in Kentucky

Among Kentucky's 416 places, Loretto sits at 251st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Loretto stands 190th among Kentucky's 416 places — roughly the 54th percentile. By density, at about 223 people per square mile, it ranks 394th in Kentucky. The population moved by about 3 people between 2020 and 2023, a 0.4% shift.

Loretto: area, density and distance

Loretto's land area is about 3.2 square miles; a further 0.03 square miles is water. The resulting density is about 223 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 58 miles. Loretto has 80 larger places within a 50-mile radius. By land area it ranks 111th of 416 Kentucky places.