Personal loans in Kuttawa, KY
Kuttawa, Kentucky — home to about 667 people — is a small community, so the terms you are offered follow Kentucky law rather than any local rule. Kuttawa is one of 416 Census places in Kentucky; its 667 residents put it at 259th. The 2020 count to the 2023 estimate shows about 5.7% growth in Kuttawa. Which products a lender may offer to Kuttawa's 667 residents follows from the Kentucky consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Kuttawa. The closest larger city is Eddyville, KY about 2 miles away.
Kuttawa: population, trend and location
Here is the sourced Census picture for Kuttawa, plus the Kentucky lending rules that apply to a loan taken out here.
- Population: about 667, ranked 259th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: About 5.7% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 36 residents.
- Size percentile: roughly 38% of Kentucky's places have fewer residents than Kuttawa's 667.
- Population density: 305 people per square mile on 2.2 square miles of land.
- By land area: Kuttawa ranks 155th among Kentucky's 416 places, at 2.2 sq mi.
- Water: Kuttawa holds about 0.83 square miles, the 6th-largest water area in Kentucky.
- State share: roughly 0.0% of Kentucky's residents live in Kuttawa (667 people).
- Nationally: Kuttawa is the 12,003rd-largest of 19,457 Census places in the dataset.
- Growth rank: Kuttawa's 2020-to-2023 change ranks 7th of 416 places in Kentucky.
- Versus Kentucky: the state average change is -0.2%, while Kuttawa moved 5.7%.
- Density in Kentucky: Kuttawa ranks 381st by people per square mile.
- Density in context: Kuttawa's 305 people per square mile sit against a Kentucky median of 1,045.
- Location: the Census Gazetteer records it at 37.0605, -88.1144.
- Nearest larger cities: Eddyville (2 mi); Princeton (13 mi); Calvert City (16 mi); Salem (16 mi); Marion (19 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Grand Rivers (8 mi); Fredonia (11 mi); Smithland (17 mi).
- Smaller neighbours: 26 places smaller than Kuttawa sit within 50 miles.
- At 100 miles: 203 larger Census places fall inside that radius.
The Kentucky lending rules that reach Kuttawa
For the roughly 667 residents of Kuttawa, the rules below are Kentucky's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
How a Kuttawa personal loan is priced
In Kuttawa, a small community of about 667, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Kuttawa's rank of 259th in Kentucky: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Kuttawa loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Kuttawa
With about 305 residents per square mile, Kuttawa is lightly settled, and 34 larger Census places sit within 50 miles. Whether Kuttawa has a local branch or not, a Kentucky-licensed lender can serve its 667 people online on the same terms. The nearest larger city, Eddyville, KY about 2 miles away.
Steps to take before a Kuttawa loan
A sensible order of operations for a loan in Kuttawa, home to about 667 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Kentucky licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
What differs between Kuttawa and the rest of Kentucky is not the process but the borrower's own file, among the 667 people here.
Kuttawa in state context
Set beside Kentucky's 416 places, Kuttawa ranks 259th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Kuttawa stands 7th among Kentucky's 416 places — roughly the 98th percentile. By density, at about 305 people per square mile, it ranks 381st in Kentucky. In land area, Kuttawa ranks 155th among Kentucky's 416 places.
Common questions
What are my options in Kuttawa if my credit is poor?
What loan size can I expect in Kuttawa?
Do I have to pledge anything to borrow in Kuttawa?
Does comparing loans in Kuttawa cost me credit score points?
Nearby places
- Eddyville, KY — population 2,444
- Grand Rivers, KY — population 349
- Fredonia, KY — population 373
- Princeton, KY — population 6,194
- Salem, KY — population 713
- Marion, KY — population 2,894
- Calvert City, KY — population 2,517
- Smithland, KY — population 238