Personal loans in Marion, KY
Personal loans in Marion are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,894 population. Rate ceilings, licensing requirements and product limits for Marion are all set at the Kentucky level.
With 2,894 residents, Marion outranks about 73% of the communities in Kentucky. Begin with the payment, then weigh APR and total interest across the lenders that reach Marion's 2,894 residents. Population in Marion dropped about 0.6% over the three years from 2020 to 2023. The closest larger city is Princeton, KY about 19 miles away.
Marion: population, trend and location
Two layers matter for a Marion borrower: the local population picture and Kentucky's consumer-lending statutes.
- Population: 2,894 residents; Marion is the 111th-largest of 416 places in Kentucky (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.6% from 2020 to 2023.
- Absolute change: 18 residents lost between 2020 and 2023.
- Size percentile: about 73% of Kentucky's Census places are smaller than Marion.
- Population density: about 796 people per square mile across 3.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Marion ranks 98th among Kentucky's 416 places, at 3.6 sq mi.
- Water: Marion holds about 0.03 square miles, the 127th-largest water area in Kentucky.
- Share of Kentucky: Marion holds about 0.2% of the state's population, some 2,894 people.
- National rank: Marion is the 6,391st most populous of the 19,457 Census places covered here.
- Growth in Kentucky: Marion stands 202nd by percentage change from 2020 to 2023, among 416 places.
- State comparison: Kentucky's places average -0.2% for 2020-to-2023, against Marion's 0.6%.
- Density rank: Marion places 265th among Kentucky's places by people per square mile.
- Density vs Kentucky: Marion's 796 people per square mile compare with a state median of 1,045.
- Location: latitude 37.3317, longitude -88.0812 (Census Gazetteer).
- Nearest larger cities: Princeton (19 mi); Morganfield (27 mi); Madisonville (32 mi); Metropolis (36 mi); Paducah (36 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Fredonia (9 mi); Salem (10 mi); Cave-In-Rock (11 mi).
- Smaller neighbours: 63 places smaller than Marion sit within 50 miles.
- At 100 miles: 77 larger Census places fall inside that radius.
Where Marion sits in Kentucky
Set beside Kentucky's 416 places, Marion ranks 111th by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Marion ranks 202nd of 416 in Kentucky (about the 51th percentile). Its roughly 796 residents per square mile place it 265th among Kentucky's places. In land area, Marion ranks 98th among Kentucky's 416 places.
What shapes a Marion personal loan
In Marion, a small community of about 2,894, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Marion can be quoted different APRs on the same amount and term. Shortening the term on a Marion loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Getting a loan in Marion
At roughly 796 people per square mile, Marion is moderately settled; 11 larger places lie within 50 miles. A Kentucky licence lets a lender serve Marion without a local office, so branch density does not change what its 2,894 residents are offered. For a larger market, the closest option is Princeton, KY about 19 miles away.
Where Marion sits
Inside Marion's boundaries lie roughly 3.6 square miles of land and 0.03 square miles of water. That land carries about 796 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 204 miles away. Within 50 miles of Marion there are 11 larger Census places. Within the same 50 miles lie 63 smaller Census places.
The state rulebook for Marion
Kentucky has no separate rate rule for Marion; the sourced rows below are what reach every lender that serves its 2,894 people.
| 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 |
Common questions
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Nearby places
- Fredonia, KY — population 373
- Cave-In-Rock, IL — population 223
- Salem, KY — population 713
- Sturgis, KY — population 1,674
- Elizabethtown, IL — population 219
- Eddyville, KY — population 2,444
- Wheatcroft, KY — population 102
- Kuttawa, KY — population 667