Lewisburg at a glance
- Population: 775, the 241st-largest community in Kentucky out of 416 (US Census Bureau, Vintage 2023).
- 2020 Census base: 751 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 3.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Kentucky places: 241st of the state's 416 Census places (US Census Bureau).
- Size percentile: about 42% of Kentucky's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 36.9872, -86.9502 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Russellville, KY (11 mi); Auburn, KY (16 mi); Elkton, KY (17 mi); Greenville, KY (20 mi); Powderly, KY (21 mi) (US Census Bureau populations).
- Nearest smaller towns: Rochester, KY (16 mi); Drakesboro, KY (17 mi); Woodbury, KY (22 mi) — US Census Bureau populations.
What a personal loan costs in Lewisburg
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Lewisburg
The sourced rows below are the rules a licensed lender must follow when lending in Kentucky, and therefore in Lewisburg.
| 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 Lewisburg
A few practical steps will make the process in Lewisburg less costly:
- 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.