Personal loans in Vine Grove, KY
Vine Grove counts about 6,907 people, and what is genuinely local about borrowing here is limited — Kentucky law does the governing. A 2020-to-2023 comparison shows Vine Grove up by about 5.1%.
Vine Grove is home to roughly 6,907 people and stands 61st by size out of 416 Census places in Kentucky. Work out your debt-to-income ratio first; lenders weigh it heavily, and Vine Grove's 6,907 residents are no exception. Consumer lending that reaches Vine Grove's 6,907 residents is governed by Kentucky statute; no city ordinance changes it. A larger market lies at Radcliff, KY about 3 miles away.
Local context for Vine Grove
Set out below is Vine Grove's local context next to the state-level rules that reach every lender here.
- Population: 6,907 — Vine Grove ranks 61st of 416 communities in Kentucky (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 5.1% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 336 residents.
- Size percentile: Vine Grove sits ahead of around 85% of Kentucky places, at 6,907 people.
- Land and density: 6.9 square miles of land carry roughly 1,006 residents per square mile.
- Land area: Vine Grove covers 6.9 square miles, the 55th-largest area among Kentucky's 416 places.
- Water: Vine Grove holds about 0.07 square miles, the 70th-largest water area in Kentucky.
- Share of Kentucky: Vine Grove holds about 0.4% of the state's population, some 6,907 people.
- National rank: Vine Grove is the 4,022nd most populous of the 19,457 Census places covered here.
- Growth rank: Vine Grove's 2020-to-2023 change ranks 15th of 416 places in Kentucky.
- Against the state trend: Vine Grove's 5.1% change compares with a Kentucky average of -0.2% across its 416 places.
- Density rank: Vine Grove is the 215th most densely settled place in Kentucky.
- Density vs Kentucky: Vine Grove's 1,006 people per square mile compare with a state median of 1,045.
- Location: mapped by the US Census Bureau at 37.8119, -85.9844.
- Nearest larger cities: Radcliff (3 mi); Elizabethtown (9 mi); Shepherdsville (19 mi); Hillview (23 mi); Mount Washington (28 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Muldraugh (9 mi); West Point (12 mi); Ekron (13 mi).
- Within a 50-mile radius: 142 smaller Census places.
- Larger places within 100 miles: 52.
The state rulebook for Vine Grove
Read the table as a lender's compliance picture for Vine Grove: the rule, the sourced figure, the publisher and the date.
| 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 |
What a Vine Grove borrower is actually offered
In Vine Grove, a small town of about 6,907, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Vine Grove. Shortening the term on a Vine Grove loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Vine Grove
Vine Grove is moderately settled, with about 1,006 people per square mile and 19 larger places within 50 miles. Lenders licensed in Kentucky reach Vine Grove's 6,907 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Radcliff, KY about 3 miles away.
Vine Grove: area, density and distance
Vine Grove's land area is about 6.9 square miles; a further 0.07 square miles is water. With 6,907 residents, the land area yields roughly 1,006 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 85 miles. Vine Grove has 19 larger places within a 50-mile radius. The 100-mile radius contains 52 larger places.
Vine Grove's place among Kentucky's 416 places
Against Kentucky's other places, Vine Grove accounts for about 0.4% of the state's population and ranks 61st of 416 by size. Its 2020-to-2023 change ranks 15th of 416 Kentucky places, putting it near the 96th percentile for growth. At about 1,006 people per square mile, Vine Grove is the 215th most densely settled place in Kentucky. Within 50 miles sit 142 smaller Census places, alongside the 19 that are larger.
Common questions
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Nearby places
- Radcliff, KY — population 22,749
- Muldraugh, KY — population 1,014
- Elizabethtown, KY — population 32,978
- West Point, KY — population 929
- Ekron, KY — population 170
- Laconia, IN — population 71
- Lebanon Junction, KY — population 1,795
- Brandenburg, KY — population 2,944