Personal loans in Berry, KY
A 2020-to-2023 comparison shows Berry up by about 2.4%. Roughly 256 residents live in Berry, the 356th-largest community in Kentucky. Berry, Kentucky — home to about 256 people — is a small community, so the terms you are offered follow Kentucky law rather than any local rule. Work out your debt-to-income ratio first; lenders weigh it heavily, and Berry's 256 residents are no exception. Which products a lender may offer to Berry's 256 residents follows from the Kentucky consumer-lending framework. The nearest larger metro is Cynthiana, KY about 10 miles away.
Berry: population, trend and location
What follows is Berry's place in the Census record, alongside the Kentucky rules that govern a personal loan made here.
- Population: 256 — Berry ranks 356th of 416 communities in Kentucky (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 2.4% from 2020 to 2023.
- People gained or lost: about 6 more since the 2020 base.
- Size percentile: about 14% of Kentucky's Census places are smaller than Berry.
- Population density: about 1,004 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Berry ranks 334th among Kentucky's 416 places, at 0.3 sq mi.
- Within Kentucky: about 0.0% of the state's population lives in Berry.
- Nationally: Berry is the 15,673rd-largest of 19,457 Census places in the dataset.
- Growth rank: Berry ranks 77th among Kentucky's 416 places for the 2020-to-2023 change.
- Versus Kentucky: the state average change is -0.2%, while Berry moved 2.4%.
- Density in Kentucky: Berry ranks 217th by people per square mile.
- Density vs Kentucky: Berry's 1,004 people per square mile compare with a state median of 1,045.
- Location: 38.5184, -84.3817 (US Census Bureau Gazetteer).
- Nearest larger cities: Cynthiana (10 mi); Falmouth (11 mi); Sadieville (13 mi); Williamstown (13 mi); Dry Ridge (17 mi). Lenders licensed in the state serve Berry whether or not they keep a local branch.
- Smaller places close by: Corinth (12 mi); Neville (22 mi); Chilo (23 mi).
- Smaller places within 50 miles: 26 of them.
- At 100 miles: 433 larger Census places fall inside that radius.
How a Berry personal loan is priced
With roughly 256 residents, Berry is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Berry lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Berry loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Berry
With about 1,004 residents per square mile, Berry is moderately settled, and 117 larger Census places sit within 50 miles. Distance to a branch rarely matters for Berry's 256 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Cynthiana, KY about 10 miles away.
Kentucky consumer-lending rules applied in Berry
These are Kentucky's sourced lending facts as they reach Berry's 256 residents; the state has no city-level rate rule.
| 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 |
| 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 |
Where Berry sits in Kentucky
Set beside Kentucky's 416 places, Berry ranks 356th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Berry ranks 77th of 416 in Kentucky (about the 81th percentile). Its roughly 1,004 residents per square mile place it 217th among Kentucky's places. The population moved by about 6 people between 2020 and 2023, a 2.4% shift.
The geography behind Berry
Berry covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,004 residents per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 33 miles away. A 50-mile radius around Berry takes in 117 places that are larger. The 100-mile radius contains 433 larger places.
Common questions
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Nearby places
- Cynthiana, KY — population 6,534
- Falmouth, KY — population 2,211
- Sadieville, KY — population 334
- Williamstown, KY — population 3,964
- Corinth, KY — population 230
- Butler, KY — population 642
- Dry Ridge, KY — population 2,199
- Georgetown, KY — population 39,462