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Personal loans in Bellefonte, KY

A personal loan in Bellefonte is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Census estimates count about 886 residents in Bellefonte, making it the 221st-largest of 416 places in Kentucky. Kentucky sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

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

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Bellefonte at a glance

  • Population: a Census-estimated 886, placing it 221st among Kentucky's 416 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 915 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 3.2% below the 2020 Census base (US Census Bureau).
  • Rank among Kentucky places: 221st by size among 416 communities (US Census Bureau).
  • Size percentile: ahead of around 47% of Kentucky places in population terms (US Census Bureau).
  • Coordinates: latitude 38.4987, longitude -82.6903 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Russell, KY (1 mi); Flatwoods, KY (2 mi); Ironton, OH (2 mi); Coal Grove, OH (3 mi); Ashland, KY (4 mi) (US Census Bureau populations).
  • Nearest smaller communities: Hanging Rock, OH (5 mi); Chesapeake, OH (14 mi); Proctorville, OH (17 mi) (Census populations).

What a personal loan costs in Bellefonte

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Kentucky lending rules that apply in Bellefonte

Read the table as the compliance picture for a lender serving Bellefonte: label, sourced figure, publisher and date.

RuleDetailSource
Payday lending statusPermitted 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 licensingConsumer 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
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

How to compare offers in Bellefonte

Before you share your details with a lender in Bellefonte:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Kentucky using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Bellefonte?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Bellefonte are the same as elsewhere in Kentucky.
How much can I borrow with a personal loan in Bellefonte?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Bellefonte require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Bellefonte hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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