Thornhill at a glance
- Population: 182, the 377th-largest community in Kentucky out of 416 (US Census Bureau, Vintage 2023).
- 2020 Census base: 184 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.1% below the 2020 Census base (US Census Bureau).
- Rank among Kentucky places: 377th out of 416 Census places (US Census Bureau).
- Size percentile: roughly 9% of Kentucky's places have fewer residents (US Census Bureau).
- Coordinates: 38.2877, -85.6250 (US Census Bureau Gazetteer).
- Nearest larger cities: Glenview Manor, KY (0 mi); Northfield, KY (1 mi); Crossgate, KY (1 mi); Old Brownsboro Place, KY (1 mi); Bancroft, KY (1 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Hills and Dales, KY (1 mi); Maryhill Estates, KY (2 mi); Ten Broeck, KY (3 mi) — US Census Bureau populations.
What a personal loan costs in Thornhill
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Kentucky lending rules that apply in Thornhill
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Thornhill
Here is a short checklist for comparing personal loans in Thornhill:
- 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.