Personal loans in Middlesborough, KY
Middlesborough is a small town in Kentucky, with an estimated 9,012 residents, and every licensed lender here follows the same state rulebook. Pull your credit reports and line up at least three offers before you apply from Middlesborough.
About 9,012 people live in Middlesborough, placing it 46th of 416 Census places in Kentucky. Every figure below is Kentucky's own, applied to Middlesborough's 9,012 residents, with the publisher and retrieval date attached. The 2020 count to the 2023 estimate shows about 4.2% decline in Middlesborough. The nearest larger metro is Morristown, TN about 37 miles away.
Borrowing in Middlesborough: the local picture
What follows is Middlesborough's place in the Census record, alongside the Kentucky rules that govern a personal loan made here.
- Population: an estimated 9,012 residents, 46th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 4.2% fewer residents than the 2020 Census counted.
- Absolute change: 391 residents lost between 2020 and 2023.
- Size percentile: roughly 89% of Kentucky's places have fewer residents than Middlesborough's 9,012.
- Land and density: 7.4 square miles of land carry roughly 1,220 residents per square mile.
- Land area: Middlesborough covers 7.4 square miles, the 49th-largest area among Kentucky's 416 places.
- Water area rank: Middlesborough ranks 65th among Kentucky's 416 places, with 0.08 sq mi.
- State share: roughly 0.5% of Kentucky's residents live in Middlesborough (9,012 people).
- National rank: Middlesborough sits 3,380th by population among the 19,457 places in this dataset.
- Growth rank: Middlesborough ranks 390th among Kentucky's 416 places for the 2020-to-2023 change.
- Against the state trend: Middlesborough's 4.2% change compares with a Kentucky average of -0.2% across its 416 places.
- Density in Kentucky: Middlesborough ranks 178th by people per square mile.
- Against the state median: Middlesborough runs about 1,220 residents per square mile, where the Kentucky median is 1,045.
- Location: coordinates 36.6135, -83.7225 (US Census Bureau Gazetteer).
- Nearest larger cities: Morristown (37 mi); Clinton (42 mi); Knoxville (46 mi); Sevierville (51 mi); Oak Ridge (55 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Cumberland Gap (3 mi); Harrogate (5 mi); Pineville (9 mi).
- Smaller places within 50 miles: 42 of them.
- Larger places within 100 miles: 25.
Middlesborough: area, density and distance
Middlesborough's land area is about 7.4 square miles; a further 0.08 square miles is water. That land carries about 1,220 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 107 miles away. A 50-mile radius around Middlesborough takes in 3 places that are larger. Within the same 50 miles lie 42 smaller Census places.
How personal loans work in Middlesborough
A Middlesborough personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 9,012 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Middlesborough. A longer term lowers the monthly payment on a Middlesborough loan but raises total interest, so the smallest payment is not the cheapest loan.
Middlesborough against the rest of Kentucky
Within Kentucky, Middlesborough holds roughly 0.5% of all residents, the 46th-largest share among 416 places. On the 2020-to-2023 trend, Middlesborough stands 390th among Kentucky's 416 places — roughly the 6th percentile. Its roughly 1,220 residents per square mile place it 178th among Kentucky's places. Within 50 miles sit 42 smaller Census places, alongside the 3 that are larger.
Kentucky rules behind a Middlesborough personal loan
Every row below records a Kentucky rule, its publisher and its retrieval date — the same rules a Middlesborough lender must follow.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer Loan Company license required (KRS Chapter 286.4) Source says: "How to License a Consumer Loan Company: 1. Read KRS 286.4 and the applicable administrative regulations under KAR 808, Chapter 6". | Kentucky Department of Financial Institutions as of 2026-09-16 |
Lender access in Middlesborough
Middlesborough is a moderately settled community of about 9,012 people, with 3 larger places inside a 50-mile radius. A Kentucky licence lets a lender serve Middlesborough without a local office, so branch density does not change what its 9,012 residents are offered. The nearest bigger place is Morristown, TN about 37 miles away.
Common questions
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Nearby places
- Cumberland Gap, TN — population 311
- Harrogate, TN — population 4,403
- Pineville, KY — population 1,604
- New Tazewell, TN — population 2,803
- Tazewell, TN — population 2,354
- Barbourville, KY — population 3,145
- Maynardville, TN — population 2,581
- Rutledge, TN — population 1,331