Fleming-Neon at a glance
- Population: a Census-estimated 521, placing it 292nd among Kentucky's 416 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 546 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 4.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kentucky places: 292nd out of 416 Census places (US Census Bureau).
- Size percentile: larger than about 30% of the Census places in Kentucky (US Census Bureau).
- Coordinates: 37.1990, -82.7033 (US Census Bureau Gazetteer).
- Nearest larger cities: Jenkins, KY (4 mi); Pound, VA (7 mi); Whitesburg, KY (9 mi); Pippa Passes, KY (13 mi); Clintwood, VA (14 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Wheelwright, KY (10 mi); Wayland, KY (19 mi); Clinchco, VA (19 mi), per US Census Bureau estimates.
What a personal loan costs in Fleming-Neon
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kentucky lending rules that apply in Fleming-Neon
The table carries the Kentucky rate and licensing rules that apply to consumer loans made in Fleming-Neon.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fleming-Neon
The order below is a sensible way to approach a loan in Fleming-Neon:
- 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.