Pineville at a glance
- Population: a Census-estimated 1,604, placing it 165th among Kentucky's 416 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,681 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 4.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kentucky places: 165th of the state's 416 Census places (US Census Bureau).
- Size percentile: roughly 60% of Kentucky's places have fewer residents (US Census Bureau).
- Coordinates: 36.7475 / -83.7069, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Middlesborough, KY (9 mi); Harrogate, TN (12 mi); Barbourville, KY (13 mi); Tazewell, TN (21 mi); New Tazewell, TN (22 mi) (US Census Bureau).
- Nearest smaller places: Cumberland Gap, TN (11 mi); Loyall, KY (21 mi); Manchester, KY (28 mi) (US Census Bureau estimates).
What a personal loan costs in Pineville
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.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Pineville
The sourced rows below are the rules a licensed lender must follow when lending in Kentucky, and therefore in Pineville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pineville
Before you share your details with a lender in Pineville:
- 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.