Personal loans in Benham, KY

Roughly 471 residents live in Benham, the 302nd-largest community in Kentucky. The closest larger city is Lynch, KY about 2 miles away. When Kentucky caps or restricts a product, lenders either change the terms or withdraw it from Benham as from the rest of the state. Decide the purpose of the loan and your repayment plan before sharing any details with a Benham lender.

Local context for Benham

What follows is Benham's place in the Census record, alongside the Kentucky rules that govern a personal loan made here.

• Population: about 471, ranked 302nd of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 7.6% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 39 residents.
• Size percentile: about 27% of Kentucky's Census places are smaller than Benham.
• Population density: about 2,013 people per square mile (Census land area 0.2 sq mi).
• Land area: Benham covers 0.2 square miles, the 341st-largest area among Kentucky's 416 places.
• Share of Kentucky: Benham holds about 0.0% of the state's population, some 471 people.
• National standing: Benham ranks 13,406th of 19,457 US places.
• Growth rank: Benham's 2020-to-2023 change ranks 415th of 416 places in Kentucky.
• State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Benham's 7.6%.
• Density rank: Benham places 104th among Kentucky's places by people per square mile.
• Density in context: Benham's 2,013 people per square mile sit against a Kentucky median of 1,045.
• Location: latitude 36.9642, longitude -82.9518 (Census Gazetteer).
• Nearest larger cities: Lynch (2 mi); Cumberland (3 mi); Appalachia (9 mi); Big Stone Gap (12 mi); Whitesburg (13 mi). Living near a larger metro rarely changes what is available in Benham.
• Smaller communities within reach: Vicco (18 mi); Duffield (19 mi); Clinchport (23 mi).
• Smaller neighbours: 13 places smaller than Benham sit within 50 miles.
• At 100 miles: 172 larger Census places fall inside that radius.

Kentucky rules behind a Benham personal loan

Below are the Kentucky rules that apply to a loan made in Benham, each with the regulator that issued it.

Benham's place among Kentucky's 416 places

Against Kentucky's other places, Benham accounts for about 0.0% of the state's population and ranks 302nd of 416 by size. For population change between 2020 and 2023, Benham ranks 415th of 416 in Kentucky (about the 0th percentile). At about 2,013 people per square mile, Benham is the 104th most densely settled place in Kentucky. Within 50 miles sit 13 smaller Census places, alongside the 45 that are larger.

Borrowing reach in Benham

Benham is a fairly dense community of about 471 people, with 45 larger places inside a 50-mile radius. Lenders licensed in Kentucky reach Benham's 471 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lynch, KY about 2 miles away.

Land, water and location for Benham

The Census Gazetteer records about 0.2 square miles of land within Benham, with no significant water area listed. With 471 residents, the land area yields roughly 2,013 people per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 111 miles away. A 50-mile radius around Benham takes in 45 places that are larger. Within the same 50 miles lie 13 smaller Census places.

The Benham borrowing checklist

Before you apply in Benham, a community of about 471, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Kentucky regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Benham and the rest of Kentucky is not the process but the borrower's own file, among the 471 people here.