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Personal loans in Lyndon, KY

In Lyndon, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Census estimates count about 10,909 residents in Lyndon, making it the 36th-largest of 416 places in Kentucky. Rate caps and licensing for consumer lenders in Kentucky come from state law, and the sourced rows below set them out.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Lyndon at a glance

  • Population: 10,909 — 36th in Kentucky, which has 416 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 11,004 residents here (US Census Bureau).
  • 2020 to 2023 change: population fell about 0.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Kentucky places: 36th of the state's 416 Census places (US Census Bureau).
  • Size percentile: about 91% of Kentucky's Census places are smaller (US Census Bureau).
  • Coordinates: 38.2630, -85.5879 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities within 120 miles: St. Matthews, KY (3 mi); Jeffersontown, KY (4 mi); Jeffersonville, IN (8 mi); Clarksville, IN (11 mi); Shively, KY (13 mi) (US Census Bureau).
  • Nearest smaller communities: Moorland, KY (1 mi); Bellemeade, KY (1 mi); Briarwood, KY (1 mi) (Census populations).

What a personal loan costs in Lyndon

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.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Kentucky lending rules that apply in Lyndon

The table carries the Kentucky rate and licensing rules that apply to consumer loans made in Lyndon.

RuleDetailSource
Small-loan / installment lender licensingConsumer 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 regulatorKentucky 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 basisLicense 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 statusPermitted 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

How to compare offers in Lyndon

Run through this list before signing anything in Lyndon:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Kentucky using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Lyndon?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Lyndon are the same as elsewhere in Kentucky.
How much can I borrow with a personal loan in Lyndon?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Lyndon require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Lyndon hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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