Personal loans in Paintsville, KY

With an estimated 4,160 residents, Paintsville is the 88th-largest of 416 places in Kentucky. The trend for Paintsville between 2020 and 2023 is downward by roughly 3.7%.

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.

If you are weighing a personal loan in Paintsville, start from the payment you can carry; its 4,160 residents face the same statewide rules. When Kentucky caps or restricts a product, lenders either change the terms or withdraw it from Paintsville as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Paintsville loan. The next larger city is Pikeville, KY about 28 miles away.

Local context for Paintsville

Set out below is Paintsville's local context next to the state-level rules that reach every lender here.

The geography behind Paintsville

Inside Paintsville's boundaries lie roughly 6.6 square miles of land and 0.14 square miles of water. With 4,160 residents, the land area yields roughly 628 people per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 91 miles away. A 50-mile radius around Paintsville takes in 8 places that are larger. By land area it ranks 58th of 416 Kentucky places.

What Kentucky law requires in Paintsville

For the roughly 4,160 residents of Paintsville, 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
Maximum legal interest rate (usury cap)Up to 19% per annum, or 4% over the 90-day commercial-paper discount rate, whichever is less (by written agreement)
Source says: "At a per annum rate not to exceed four percent (4%) in excess of the discount rate on ninety (90) day commercial paper ... or nineteen percent (19%), whichever is less".		Kentucky Legislative Research Commission (Kentucky Revised Statutes)
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

Paintsville against the rest of Kentucky

Within Kentucky, Paintsville holds roughly 0.2% of all residents, the 88th-largest share among 416 places. Its 2020-to-2023 change ranks 385th of 416 Kentucky places, putting it near the 7th percentile for growth. By density, at about 628 people per square mile, it ranks 308th in Kentucky. By land area, its 6.6 square miles rank 58th of 416 places in Kentucky.

What shapes a Paintsville personal loan

Most loans made to Paintsville's 4,160 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Paintsville can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Paintsville loan is knowable in advance — unlike a revolving card balance.

Before you apply in Paintsville

A sensible order of operations for a loan in Paintsville, home to about 4,160 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Kentucky licence by checking the regulator named above.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Paintsville and the rest of Kentucky is not the process but the borrower's own file, among the 4,160 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 Paintsville 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 Paintsville is the same as anywhere in Kentucky.
What loan size can I expect in Paintsville?
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 Paintsville?
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 Paintsville 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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