Moorland at a glance
- Population: 428 — 314th in Kentucky, which has 416 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 434 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Kentucky places: 314th in population of 416 places (US Census Bureau).
- Size percentile: it exceeds roughly 25% of Kentucky's Census places by population (US Census Bureau).
- Coordinates: 38.2724 latitude, -85.5803 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Westwood, KY (1 mi); Rolling Hills, KY (1 mi); Lyndon, KY (1 mi); Briarwood, KY (1 mi); Meadow Vale, KY (1 mi) (US Census Bureau).
- Nearest smaller places: Meadowbrook Farm, KY (1 mi); Hickory Hill, KY (1 mi); Creekside, KY (1 mi) (US Census Bureau estimates).
What a personal loan costs in Moorland
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
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.
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 Moorland
The table lists the Kentucky rules that apply to a loan made in Moorland, each with the regulator that published it.
| 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 Moorland
Before you commit to a personal loan in Moorland, work through these steps:
- 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.