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Personal loans in Bradfordsville, KY

For a borrower among the roughly 273 residents of Bradfordsville, a personal loan is a tool whose cost turns on the terms, not the address. By population, Bradfordsville sits at 352nd in Kentucky, with an estimated 273 residents. Bradfordsville gained roughly 1.5% in population across the 2020-to-2023 comparison. Lenders active in Bradfordsville report to a Kentucky supervisor, identified in the sourced rows below. Begin with the payment, then weigh APR and total interest across the lenders that reach Bradfordsville's 273 residents. The nearest larger city is Lebanon, KY about 8 miles away.

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

Compare loan offers Run the numbers first

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.

The Bradfordsville data picture

The figures below are Bradfordsville's own — Census population, land area and coordinates — followed by the Kentucky rules.

Bradfordsville: area, density and distance

Bradfordsville covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,011 residents per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 53 miles away. Counting outward 50 miles, 54 larger communities surround Bradfordsville. Within the same 50 miles lie 6 smaller Census places.

How lenders reach Bradfordsville

With about 1,011 residents per square mile, Bradfordsville is moderately settled, and 54 larger Census places sit within 50 miles. What is available to Bradfordsville's 273 borrowers is set by Kentucky licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Lebanon, KY about 8 miles away.

A practical checklist for Bradfordsville borrowers

These steps shape the offer you get in Bradfordsville, a place of about 273 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Kentucky regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

What differs between Bradfordsville and the rest of Kentucky is not the process but the borrower's own file, among the 273 people here.

Bradfordsville's place among Kentucky's 416 places

Set beside Kentucky's 416 places, Bradfordsville ranks 352nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 108th of 416 Kentucky places, putting it near the 74th percentile for growth. Its roughly 1,011 residents per square mile place it 212th among Kentucky's places. Between 2020 and 2023 the count changed by roughly 4 residents.

Kentucky consumer-lending rules applied in Bradfordsville

Every row below records a Kentucky rule, its publisher and its retrieval date — the same rules a Bradfordsville lender must follow.

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
Compare personal loan offers Run the numbers first

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 Bradfordsville 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 Bradfordsville is the same as anywhere in Kentucky.
What loan size can I expect in Bradfordsville?
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 Bradfordsville?
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 Bradfordsville 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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