Personal loans in Radcliff, KY

A lender serving Radcliff holds a Kentucky licence and answers to a Kentucky regulator; no city office is involved for its 22,749 residents. Roughly 22,749 residents live in Radcliff, the 16th-largest community in Kentucky.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 1.2%. Every figure below is Kentucky's own, applied to Radcliff's 22,749 residents, with the publisher and retrieval date attached. Judge Radcliff offers on total cost, not on how quickly the money arrives. The nearest larger metro is Elizabethtown, KY about 9 miles away.

Radcliff: population, trend and location

Radcliff is a smaller city; the notes below cover its population profile and the statewide rules that apply.

How Radcliff compares across Kentucky

Set beside Kentucky's 416 places, Radcliff ranks 16th by population and holds about 1.2% of the state total. Its 2020-to-2023 change ranks 270th of 416 Kentucky places, putting it near the 35th percentile for growth. Its roughly 1,701 residents per square mile place it 128th among Kentucky's places. The population moved by about 273 people between 2020 and 2023, a 1.2% shift.

Kentucky consumer-lending rules applied in Radcliff

These are Kentucky's sourced lending facts as they reach Radcliff's 22,749 residents; the state has no city-level rate rule.

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
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
Small-loan / installment lender licensingConsumer 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

What a Radcliff borrower is actually offered

A Radcliff personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 22,749 residents. Federal Truth in Lending rules require a Radcliff lender to disclose the APR and finance charge before you sign. Shortening the term on a Radcliff loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Radcliff

Radcliff covers about 13.4 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,701 residents per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 82 miles. A 50-mile radius around Radcliff takes in 4 places that are larger. The 100-mile radius contains 15 larger places.

Borrowing reach in Radcliff

Radcliff is a moderately settled community of about 22,749 people, with 4 larger places inside a 50-mile radius. What is available to Radcliff's 22,749 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. The nearest larger city, Elizabethtown, KY about 9 miles away.

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 Radcliff 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 Radcliff is the same as anywhere in Kentucky.
What loan size can I expect in Radcliff?
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 Radcliff?
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 Radcliff 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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