Bellemeade at a glance
- Population: about 893, 218th by size in Kentucky of 416 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 905 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 1.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Kentucky places: 218th by size among 416 communities (US Census Bureau).
- Size percentile: ahead of around 48% of Kentucky places in population terms (US Census Bureau).
- Coordinates: 38.2510, -85.5910 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hurstbourne, KY (1 mi); Lyndon, KY (1 mi); Graymoor-Devondale, KY (2 mi); St. Regis Park, KY (2 mi); Hurstbourne Acres, KY (2 mi) (US Census Bureau).
- Smaller towns nearby: Wildwood, KY (1 mi); Norwood, KY (1 mi); Blue Ridge Manor, KY (2 mi) (US Census Bureau).
What a personal loan costs in Bellemeade
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Kentucky lending rules that apply in Bellemeade
Read the table as the compliance picture for a lender serving Bellemeade: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | Consumer 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 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 |
How to compare offers in Bellemeade
The order below is a sensible way to approach a loan in Bellemeade:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kentucky using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.