Guthrie at a glance
- Population: a Census-estimated 1,335, placing it 181st among Kentucky's 416 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,331 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 0.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kentucky places: 181st in population of 416 places (US Census Bureau).
- Size percentile: ahead of around 56% of Kentucky places in population terms (US Census Bureau).
- Coordinates: it sits at 36.6486, -87.1648 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Clarksville, TN (12 mi); Elkton, KY (12 mi); Oak Grove, KY (14 mi); Pleasant View, TN (19 mi); Springfield, TN (19 mi) (US Census Bureau).
- Nearest smaller towns: Adams, TN (7 mi); Trenton, KY (7 mi); Cedar Hill, TN (11 mi) — US Census Bureau populations.
What a personal loan costs in Guthrie
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kentucky lending rules that apply in Guthrie
The sourced rows below are the rules a licensed lender must follow when lending in Kentucky, and therefore in Guthrie.
| 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 Guthrie
The steps below are worth completing first when you borrow in Guthrie:
- 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.