Personal loans in Murray, KY

The Census counts 18,086 people in Murray, the 22nd-largest figure among Kentucky's 416 places. Verify the lender's Kentucky licence against the regulator named below before borrowing in Murray. Lenders active in Murray report to a Kentucky supervisor, identified in the sourced rows below. The nearest larger city is Paducah, KY about 36 miles away.

The Murray data picture

Set out below is Murray's local context next to the state-level rules that reach every lender here.

• Population: about 18,086, ranked 22nd of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
• Population trend: About 1.9% above the 2020 Census base.
• Net change: roughly 334 more people than the 2020 Census counted.
• Size percentile: bigger than about 95% of the places in Kentucky, with 18,086 residents in Murray.
• Population density: about 1,547 people per square mile across 11.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Murray ranks 29th among Kentucky's 416 places, at 11.7 sq mi.
• Water: Murray holds about 0.03 square miles, the 132nd-largest water area in Kentucky.
• Share of state population: Murray's 18,086 residents are about 1.0% of Kentucky.
• Nationally: Murray is the 2,052nd-largest of 19,457 Census places in the dataset.
• Growth rank: Murray ranks 88th among Kentucky's 416 places for the 2020-to-2023 change.
• Against the state trend: Murray's 1.9% change compares with a Kentucky average of -0.2% across its 416 places.
• Density rank: Murray places 142nd among Kentucky's places by people per square mile.
• Density in context: Murray's 1,547 people per square mile sit against a Kentucky median of 1,045.
• Location: it lies at 36.6142, -88.3221 in the Census Gazetteer.
• Nearest larger cities: Paducah (36 mi); Hopkinsville (49 mi); Clarksville (54 mi); Madisonville (68 mi); Jackson (72 mi). Lenders licensed in the state serve Murray whether or not they keep a local branch.
• Smaller communities close by: Hazel (8 mi); Hardin (10 mi); Puryear (12 mi), each with its own Census population profile.
• Smaller places within 50 miles: 57 of them.
• Within 100 miles: 14 places are larger than Murray.

A pre-application checklist for Murray

Complete these steps first when you borrow in Murray (18,086 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Kentucky licence with the regulator named above before committing.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Murray and the rest of Kentucky is not the process but the borrower's own file, among the 18,086 people here.

How Murray compares across Kentucky

Within Kentucky, Murray holds roughly 1.0% of all residents, the 22nd-largest share among 416 places. On the 2020-to-2023 trend, Murray stands 88th among Kentucky's 416 places — roughly the 79th percentile. At about 1,547 people per square mile, Murray is the 142nd most densely settled place in Kentucky. The population moved by about 334 people between 2020 and 2023, a 1.9% shift.

Murray on the map

Murray covers about 11.7 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,547 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 234 miles. A 50-mile radius around Murray takes in 2 places that are larger. The 100-mile radius contains 14 larger places.

Borrowing reach in Murray

Murray is moderately settled, with about 1,547 people per square mile and 2 larger places within 50 miles. Lenders licensed in Kentucky reach Murray's 18,086 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Paducah, KY about 36 miles away.

What Kentucky law requires in Murray

This table holds the Kentucky rate and licensing rules for consumer loans made to Murray's 18,086 residents.