Warsaw at a glance
- Population: roughly 1,759 people; 152nd of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,760 (US Census Bureau).
- 2020 to 2023 change: down roughly 0.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Kentucky places: 152nd of the state's 416 Census places (US Census Bureau).
- Size percentile: about 63% of places in Kentucky are smaller (US Census Bureau).
- Coordinates: latitude 38.7836, longitude -84.8925 (US Census Bureau Gazetteer).
- Nearest larger cities: Vevay, IN (11 mi); Rising Sun, IN (12 mi); Crittenden, KY (16 mi); Walton, KY (16 mi); Union, KY (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Patriot, IN (5 mi); Glencoe, KY (6 mi); Sparta, KY (6 mi) (US Census Bureau estimates).
What a personal loan costs in Warsaw
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kentucky lending rules that apply in Warsaw
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Warsaw
Run through this list before signing anything in Warsaw:
- 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.