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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorKentucky 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 statusPermitted 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Berry if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Berry is the same as anywhere in Kentucky.
What loan size can I expect in Berry?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Berry?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Berry cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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