Personal loans in Tompkinsville, KY

Personal loans in Tompkinsville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,286 population. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Tompkinsville's 2,286 residents. Use the calculator on this page to price an amount and term before you commit in Tompkinsville. The nearest larger metro is Lafayette, TN about 22 miles away.

Tompkinsville by the numbers

Most of what governs a Tompkinsville loan is written in Kentucky law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 2,286 residents, 134th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 0.7% since the 2020 count.
• Absolute change: 16 residents lost between 2020 and 2023.
• Size percentile: bigger than about 68% of the places in Kentucky, with 2,286 residents in Tompkinsville.
• Population density: 696 people per square mile on 3.3 square miles of land.
• Land area rank: Tompkinsville's 3.3 square miles rank 109th of 416 places in Kentucky.
• Water: Tompkinsville holds about 0.17 square miles, the 32nd-largest water area in Kentucky.
• State share: roughly 0.1% of Kentucky's residents live in Tompkinsville (2,286 people).
• National standing: Tompkinsville ranks 7,142nd of 19,457 US places.
• Growth rank: Tompkinsville's 2020-to-2023 change ranks 206th of 416 places in Kentucky.
• Versus Kentucky: the state average change is -0.2%, while Tompkinsville moved 0.7%.
• Density in Kentucky: Tompkinsville ranks 287th by people per square mile.
• Against the state median: Tompkinsville runs about 696 residents per square mile, where the Kentucky median is 1,045.
• Location: coordinates 36.7013, -85.6930 (US Census Bureau Gazetteer).
• Nearest larger cities: Lafayette (22 mi); Glasgow (25 mi); Scottsville (29 mi); Livingston (30 mi); Westmoreland (32 mi). Online lenders reach Tompkinsville no matter how far the nearest branch is.
• Nearest smaller places: Gamaliel (7 mi); Red Boiling Springs (15 mi); Fountain Run (15 mi).
• Smaller places within 50 miles: 29 of them.
• Larger places within 100 miles: 98.

The Tompkinsville borrowing checklist

For Tompkinsville's roughly 2,286 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Kentucky regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Tompkinsville-specific: the same Kentucky licensing and disclosure rules reach all 2,286 residents.

The Kentucky lending rules that reach Tompkinsville

Read the table as a lender's compliance picture for Tompkinsville: the rule, the sourced figure, the publisher and the date.

Inside a Tompkinsville personal loan

Most loans made to Tompkinsville's 2,286 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Tompkinsville lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Tompkinsville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Tompkinsville

Tompkinsville is moderately settled, with about 696 people per square mile and 18 larger places within 50 miles. What is available to Tompkinsville's 2,286 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lafayette, TN about 22 miles away.

Where Tompkinsville sits in Kentucky

Tompkinsville is the 134th-largest of 416 Census places in Kentucky and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 206th of 416 Kentucky places, putting it near the 50th percentile for growth. By density, at about 696 people per square mile, it ranks 287th in Kentucky. In land area, Tompkinsville ranks 109th among Kentucky's 416 places.