Personal loans in Worthington Hills, KY

Two households in Worthington Hills with comparable incomes can still be offered different rates; the city's 1,553 residents are not the reason. From the 2020 Census base to the 2023 estimate, the population declined by about 0.7%. With an estimated 1,553 residents, Worthington Hills is the 169th-largest of 416 places in Kentucky. Use the calculator on this page to price an amount and term before you commit in Worthington Hills. Every figure below is Kentucky's own, applied to Worthington Hills's 1,553 residents, with the publisher and retrieval date attached. The closest larger place is Orchard Grass Hills, KY about 1 miles away.

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

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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.

Worthington Hills: the sourced local profile

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

Population: a Census-estimated 1,553, 169th among Kentucky's 416 places (Vintage 2023).
Population trend: Roughly 0.7% fewer residents than the 2020 Census counted.
People gained or lost: about 11 fewer since the 2020 base.
Size percentile: with 1,553 residents, Worthington Hills is larger than about 59% of Kentucky's Census places.
Population density: about 6,066 people per square mile (Census land area 0.3 sq mi).
By land area: Worthington Hills ranks 332nd among Kentucky's 416 places, at 0.3 sq mi.
Share of state population: Worthington Hills's 1,553 residents are about 0.1% of Kentucky.
National rank: Worthington Hills is the 8,575th most populous of the 19,457 Census places covered here.
Growth in Kentucky: Worthington Hills stands 210th by percentage change from 2020 to 2023, among 416 places.
Versus Kentucky: the state average change is -0.2%, while Worthington Hills moved 0.7%.
Density in Kentucky: Worthington Hills ranks 7th by people per square mile.
Density in context: Worthington Hills's 6,066 people per square mile sit against a Kentucky median of 1,045.
Location: the Census Gazetteer records it at 38.3093, -85.5270.
Nearest larger cities: Orchard Grass Hills (1 mi); Pewee Valley (2 mi); Anchorage (3 mi); Crestwood (4 mi); Lyndon (5 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Coldstream (0 mi); Fincastle (1 mi); Creekside (3 mi) — useful context for the surrounding area.
Within a 50-mile radius: 122 smaller Census places.
At 100 miles: 221 larger Census places fall inside that radius.

Where Worthington Hills sits in Kentucky

Worthington Hills is the 169th-largest of 416 Census places in Kentucky and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 210th of 416 Kentucky places, putting it near the 50th percentile for growth. Its roughly 6,066 residents per square mile place it 7th among Kentucky's places. By land area, its 0.3 square miles rank 332nd of 416 places in Kentucky.

The state rulebook for Worthington Hills

Below are the Kentucky rules that apply to a loan made in Worthington Hills, each with the regulator that issued it.

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
Consumer Loan Company license — statutory basis	License 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

A pre-application checklist for Worthington Hills

Complete these steps first when you borrow in Worthington Hills (1,553 residents):

Start with the credit file: order the reports, fix the errors, then apply.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the Kentucky regulator's licence list.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Kentucky; what changes is your credit file, not the fact that Worthington Hills holds 1,553 people.

How personal loans work in Worthington Hills

Worthington Hills is a small community of about 1,553 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Worthington Hills's 1,553 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Worthington Hills loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Worthington Hills borrowers

With about 6,066 residents per square mile, Worthington Hills is densely built, and 54 larger Census places sit within 50 miles. Distance to a branch rarely matters for Worthington Hills's 1,553 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Orchard Grass Hills, KY about 1 miles away.

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Common questions

What are my options in Worthington Hills 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 Worthington Hills is the same as anywhere in Kentucky.

What loan size can I expect in Worthington Hills?

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 Worthington Hills?

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 Worthington Hills 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.

Nearby places

Coldstream, KY — population 1,283
Orchard Grass Hills, KY — population 1,592
Fincastle, KY — population 837
Pewee Valley, KY — population 1,634
Anchorage, KY — population 2,475
Hickory Hill, KY — population 119
Creekside, KY — population 302
Ten Broeck, KY — population 92