Personal loans in Plantation, KY
Plantation is a small community of about 817 residents, and a personal loan taken out here is governed by Kentucky statute. Roughly 817 residents live in Plantation, the 232nd-largest community in Kentucky.
For a bigger market, look to Langdon Place, KY about 1 miles away. The 2020 count to the 2023 estimate shows about 1.2% decline in Plantation. Every figure below is Kentucky's own, applied to Plantation's 817 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Plantation loan.
The Plantation data picture
Read the local figures below as context; read the sourced Kentucky table as the rulebook a lender here must follow.
- Population: an estimated 817 residents, 232nd of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 1.2% between 2020 and 2023.
- Net change: roughly 10 fewer people than the 2020 Census counted.
- Size percentile: roughly 44% of Kentucky's places have fewer residents than Plantation's 817.
- Land and density: 0.2 square miles of land carry roughly 4,045 residents per square mile.
- Land area rank: Plantation's 0.2 square miles rank 357th of 416 places in Kentucky.
- State share: roughly 0.0% of Kentucky's residents live in Plantation (817 people).
- Nationally: Plantation is the 11,098th-largest of 19,457 Census places in the dataset.
- Growth in Kentucky: Plantation stands 274th by percentage change from 2020 to 2023, among 416 places.
- Against the state trend: Plantation's 1.2% change compares with a Kentucky average of -0.2% across its 416 places.
- Density in Kentucky: Plantation ranks 42nd by people per square mile.
- Against the state median: Plantation runs about 4,045 residents per square mile, where the Kentucky median is 1,045.
- Location: the Census Gazetteer records it at 38.2834, -85.5936.
- Nearest larger cities: Langdon Place (1 mi); Rolling Hills (1 mi); Barbourmeade (1 mi); Graymoor-Devondale (1 mi); Lyndon (1 mi). Lenders licensed in the state serve Plantation whether or not they keep a local branch.
- Smaller communities within reach: Briarwood (0 mi); Westwood (1 mi); Murray Hill (1 mi).
- Smaller places within 50 miles: 92 of them.
- Larger places within 100 miles: 275.
Land, water and location for Plantation
Plantation's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 4,045 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 64 miles away. Counting outward 50 miles, 83 larger communities surround Plantation. The 100-mile radius contains 275 larger places.
The state rulebook for Plantation
The rows below set out what a licensed lender must follow in Kentucky, and so for Plantation's roughly 817 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 |
| 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 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 |
Before you apply in Plantation
For Plantation's roughly 817 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Kentucky regulator's licence list.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Plantation and the rest of Kentucky is not the process but the borrower's own file, among the 817 people here.
Plantation's place among Kentucky's 416 places
Plantation is the 232nd-largest of 416 Census places in Kentucky and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 274th of 416 Kentucky places, putting it near the 34th percentile for growth. At about 4,045 people per square mile, Plantation is the 42nd most densely settled place in Kentucky. Within 50 miles sit 92 smaller Census places, alongside the 83 that are larger.
Lender access in Plantation
With about 4,045 residents per square mile, Plantation is fairly dense, and 83 larger Census places sit within 50 miles. Distance to a branch rarely matters for Plantation's 817 residents: the application is online and the price follows your credit file. The nearest larger city, Langdon Place, KY about 1 miles away.
Common questions
What are my options in Plantation if my credit is poor?
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Does comparing loans in Plantation cost me credit score points?
Nearby places
- Briarwood, KY — population 440
- Langdon Place, KY — population 864
- Murray Hill, KY — population 562
- Westwood, KY — population 567
- Goose Creek, KY — population 295
- Broeck Pointe, KY — population 244
- Rolling Hills, KY — population 923
- Manor Creek, KY — population 237