Sardis at a glance
- Population: roughly 62 people; 414th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 63 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kentucky places: 414th of the state's 416 Census places (US Census Bureau).
- Size percentile: about 0% of Kentucky's Census places are smaller (US Census Bureau).
- Coordinates: 38.5336 / -83.9517, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Mount Olivet, KY (4 mi); Germantown, KY (8 mi); Ewing, KY (9 mi); Maysville, KY (12 mi); Brooksville, KY (12 mi) (US Census Bureau).
- Smaller towns nearby: Concord, KY (27 mi); Octa, OH (77 mi) (US Census Bureau).
What a personal loan costs in Sardis
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Sardis
Read the table as the compliance picture for a lender serving Sardis: label, sourced figure, publisher and date.
| 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 Sardis
These steps are the ones that most affect the offer you receive in Sardis:
- 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.