Greensburg at a glance
- Population: roughly 2,233 people; 137th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,180 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 2.4% since the 2020 count (US Census Bureau).
- Rank among Kentucky places: the 137th-largest of 416 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 67% of places in Kentucky rank below it by population (US Census Bureau).
- Coordinates: 37.2595 latitude, -85.4934 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Campbellsville, KY (10 mi); Columbia, KY (15 mi); Horse Cave, KY (24 mi); Hodgenville, KY (25 mi); Lebanon, KY (25 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Edmonton, KY (20 mi); Raywick, KY (21 mi); Munfordville, KY (22 mi) — US Census Bureau populations.
What a personal loan costs in Greensburg
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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.
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 Greensburg
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Greensburg
The order below is a sensible way to approach a loan in Greensburg:
- 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.