Fairview at a glance
- Population: 144 (US Census Bureau, Vintage 2023 subcounty estimate), the 391st-largest of 416 places in Kentucky.
- 2020 Census base: 144 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Kentucky places: the 391st-largest of 416 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 6% of Kentucky places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.9991, -84.4834.
- Nearest larger cities (within 120 miles): Taylor Mill, KY (1 mi); Cold Spring, KY (3 mi); Highland Heights, KY (3 mi); Wilder, KY (3 mi); Ryland Heights, KY (3 mi) (US Census Bureau populations).
- Nearest smaller communities: Kenton Vale, KY (4 mi); California, KY (13 mi); Neville, OH (20 mi) (Census populations).
What a personal loan costs in Fairview
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Kentucky lending rules that apply in Fairview
The table lists the Kentucky rules that apply to a loan made in Fairview, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 Fairview
The order below is a sensible way to approach a loan in Fairview:
- 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.