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Personal loans in Ten Broeck, KY

In Ten Broeck, 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 92 residents in Ten Broeck, making it the 407th-largest of 416 places in Kentucky. Every lender serving Kentucky must observe the state's rate caps and licensing rules, shown with their sources below.

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

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Ten Broeck at a glance

  • Population: 92, the 407th-largest community in Kentucky out of 416 (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 94 (US Census Bureau).
  • 2020 to 2023 change: a decline of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Kentucky places: 407th largest of 416 (US Census Bureau).
  • Size percentile: about 2% of places in Kentucky are smaller (US Census Bureau).
  • Coordinates: 38.2977 / -85.5780, per the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Broeck Pointe, KY (0 mi); Manor Creek, KY (1 mi); Creekside, KY (1 mi); Goose Creek, KY (1 mi); Murray Hill, KY (1 mi) (US Census Bureau).
  • Nearest smaller communities: Laconia, IN (33 mi); Brooksburg, IN (35 mi); Gratz, KY (36 mi) (Census populations).

What a personal loan costs in Ten Broeck

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.

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

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 Ten Broeck

Each row below is a Kentucky rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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

How to compare offers in Ten Broeck

Run through this list before signing anything in Ten Broeck:

  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 Ten Broeck?
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 Ten Broeck are the same as elsewhere in Kentucky.
How much can I borrow with a personal loan in Ten Broeck?
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 Ten Broeck 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 Ten Broeck 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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