Personal loans in St. Mary, KY

St. Mary, Kentucky — home to about 143 people — is a small community, so the terms you are offered follow Kentucky law rather than any local rule. About 143 people live in St. Mary, placing it 392nd of 416 Census places in Kentucky.

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.

The nearest larger city is Raywick, KY about 5 miles away. St. Mary gained roughly 3.6% in population across the 2020-to-2023 comparison. Rate ceilings, licensing requirements and product limits for St. Mary are all set at the Kentucky level. Price two or three terms so you can see which payment is truly affordable in St. Mary.

Borrowing in St. Mary: the local picture

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

What to do before borrowing in St. Mary

For St. Mary's roughly 143 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Kentucky licence with the regulator named above before committing.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In St. Mary as elsewhere in Kentucky, the written terms — not the advertisement — are what count for its 143 residents.

St. Mary: area, density and distance

St. Mary's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 184 people per square mile. Lexington-Fayette, the largest place in Kentucky, is about 58 miles from St. Mary. Within 50 miles of St. Mary there are 97 larger Census places. The 100-mile radius contains 316 larger places.

How Kentucky law applies in St. Mary

These are Kentucky's sourced lending facts as they reach St. Mary's 143 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
Consumer Loan Company license — statutory basisLicense required from the commissioner to make loans at a greater rate of interest than otherwise permitted by law
Source says: "No person shall, without first obtaining a license from the commissioner, engage in the business of making loans ... at a greater rate of interest".		Kentucky Legislative Research Commission (Kentucky Revised Statutes)
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

Where St. Mary sits in Kentucky

Among Kentucky's 416 places, St. Mary sits at 392nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, St. Mary ranks 28th of 416 in Kentucky (about the 93th percentile). Its roughly 184 residents per square mile place it 401st among Kentucky's places. By land area, its 0.8 square miles rank 254th of 416 places in Kentucky.

Getting a loan in St. Mary

St. Mary is lightly settled, with about 184 people per square mile and 97 larger places within 50 miles. Distance to a branch rarely matters for St. Mary's 143 residents: the application is online and the price follows your credit file. The nearest larger city, Raywick, KY about 5 miles away.

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