Hurstbourne at a glance
- Population: the Census estimates 4,645 residents, ranking 82nd of 416 places in Kentucky (Vintage 2023).
- 2020 Census base: 4,687 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kentucky places: 82nd of the state's 416 Census places (US Census Bureau).
- Size percentile: about 80% of Kentucky's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 38.2394, -85.5914 in the US Census Bureau Gazetteer.
- Nearest larger cities: Lyndon, KY (2 mi); Douglass Hills, KY (2 mi); St. Matthews, KY (3 mi); Jeffersontown, KY (3 mi); Middletown, KY (4 mi), each a US Census place with its estimated population.
- Smaller places nearby: Bellemeade, KY (1 mi); Wildwood, KY (1 mi); Hurstbourne Acres, KY (1 mi), per US Census Bureau estimates.
What a personal loan costs in Hurstbourne
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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 Hurstbourne
The Kentucky rate caps and licensing rules that reach Hurstbourne are listed below, each with its source and retrieval date.
| 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 Hurstbourne
Run through this list before signing anything in Hurstbourne:
- 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.