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.
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.
- Population: about 22,749, ranked 16th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.2% since the 2020 count.
- People gained or lost: about 273 fewer since the 2020 base.
- Size percentile: bigger than about 96% of the places in Kentucky, with 22,749 residents in Radcliff.
- Land and density: 13.4 square miles of land carry roughly 1,701 residents per square mile.
- Land area: Radcliff covers 13.4 square miles, the 25th-largest area among Kentucky's 416 places.
- Water area: Radcliff has 0.03 square miles of water, ranking 131st of 416 places in Kentucky.
- State share: roughly 1.2% of Kentucky's residents live in Radcliff (22,749 people).
- National rank: Radcliff sits 1,704th by population among the 19,457 places in this dataset.
- Growth rank: Radcliff's 2020-to-2023 change ranks 270th of 416 places in Kentucky.
- State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Radcliff's 1.2%.
- Density rank: Radcliff is the 128th most densely settled place in Kentucky.
- Against the state median: Radcliff runs about 1,701 residents per square mile, where the Kentucky median is 1,045.
- Location: coordinates 37.8201, -85.9364 (US Census Bureau Gazetteer).
- Nearest larger cities: Elizabethtown (9 mi); Jeffersontown (33 mi); New Albany (35 mi); Jeffersonville (38 mi); Frankfort (64 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Vine Grove (3 mi); Muldraugh (9 mi); West Point (11 mi).
- Smaller neighbours: 157 places smaller than Radcliff sit within 50 miles.
- Larger places within 100 miles: 15.
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.
| 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 |
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.
Common questions
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Nearby places
- Vine Grove, KY — population 6,907
- Muldraugh, KY — population 1,014
- Elizabethtown, KY — population 32,978
- West Point, KY — population 929
- Lebanon Junction, KY — population 1,795
- Laconia, IN — population 71
- Ekron, KY — population 170
- Shepherdsville, KY — population 14,691