Vine Grove at a glance
- Population: the Census estimates 6,907 residents, ranking 61st of 416 places in Kentucky (Vintage 2023).
- 2020 Census base: 6,571 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 5.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Kentucky places: 61st in population of 416 places (US Census Bureau).
- Size percentile: about 85% of places in Kentucky are smaller (US Census Bureau).
- Coordinates: latitude 37.8119, longitude -85.9844 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Radcliff, KY (3 mi); Elizabethtown, KY (9 mi); Shepherdsville, KY (19 mi); Hillview, KY (23 mi); Mount Washington, KY (28 mi) (US Census Bureau).
- Nearest smaller communities: Muldraugh, KY (9 mi); West Point, KY (12 mi); Ekron, KY (13 mi), each a US Census place.
What a personal loan costs in Vine Grove
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Kentucky lending rules that apply in Vine Grove
The Kentucky rate caps and licensing rules that reach Vine Grove are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Vine Grove
A few practical steps will make the process in Vine Grove less costly:
- 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.