Cynthiana at a glance
- Population: a Census-estimated 6,534, placing it 64th among Kentucky's 416 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 6,334 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 3.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Kentucky places: 64th of 416 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 85% of the places in Kentucky (US Census Bureau).
- Coordinates: 38.3829 / -84.3018, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Paris, KY (13 mi); Georgetown, KY (15 mi); Lexington-Fayette, KY (25 mi); Winchester, KY (27 mi); Mount Sterling, KY (29 mi) (US Census Bureau).
- Smaller places close by: Millersburg, KY (10 mi); Berry, KY (10 mi); Sadieville, KY (14 mi) (US Census Bureau).
What a personal loan costs in Cynthiana
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Kentucky lending rules that apply in Cynthiana
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Cynthiana
Before you share your details with a lender in Cynthiana:
- 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.