Personal loans in Paris, KY

To lend to Paris's 10,089 residents, a company must hold a Kentucky licence, and each sourced row below names the regulator behind it. The Census estimates 10,089 residents in Paris, which ranks it 41st of 416 places in Kentucky. Compare APR, not the interest rate, because the APR folds in most fees on a Paris loan. Paris shed about 0.8% of its population between the 2020 base and the 2023 estimate. Borrowers who want a bigger city can look to Winchester, KY about 14 miles away.

Where Paris stands

Only a few things actually differ by place — population, area, location, and the Kentucky rules a lender must follow — and they are below.

• Population: 10,089 people, a figure that places Paris 41st among the 416 Census places in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 0.8% across the 2020-to-2023 comparison.
• People gained or lost: about 80 fewer since the 2020 base.
• Size percentile: Paris sits ahead of around 90% of Kentucky places, at 10,089 people.
• Population density: about 1,270 people per square mile (Census land area 7.9 sq mi).
• Land area rank: Paris's 7.9 square miles rank 44th of 416 places in Kentucky.
• Water area: Paris has 0.05 square miles of water, ranking 81st of 416 places in Kentucky.
• Within Kentucky: about 0.5% of the state's population lives in Paris.
• National standing: Paris ranks 3,142nd of 19,457 US places.
• Growth in Kentucky: Paris stands 220th by percentage change from 2020 to 2023, among 416 places.
• Versus Kentucky: the state average change is -0.2%, while Paris moved 0.8%.
• Density rank: Paris is the 174th most densely settled place in Kentucky.
• Density vs Kentucky: Paris's 1,270 people per square mile compare with a state median of 1,045.
• Location: latitude 38.2002, longitude -84.2727 (Census Gazetteer).
• Nearest larger cities: Winchester (14 mi); Georgetown (15 mi); Lexington-Fayette (15 mi); Nicholasville (27 mi); Versailles (27 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: North Middletown (10 mi); Millersburg (10 mi); Cynthiana (13 mi).
• Within a 50-mile radius: 59 smaller Census places.
• At 100 miles: 60 larger Census places fall inside that radius.

How a Paris personal loan is priced

A Paris personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 10,089 residents. Federal Truth in Lending rules require a Paris lender to disclose the APR and finance charge before you sign. The term you choose in Paris decides the split between a comfortable payment and the total interest you pay.

Paris's place among Kentucky's 416 places

Against Kentucky's other places, Paris accounts for about 0.5% of the state's population and ranks 41st of 416 by size. On the 2020-to-2023 trend, Paris stands 220th among Kentucky's 416 places — roughly the 47th percentile. Its roughly 1,270 residents per square mile place it 174th among Kentucky's places. By land area, its 7.9 square miles rank 44th of 416 places in Kentucky.

Paris: area, density and distance

Paris covers about 7.9 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). With 10,089 residents, the land area yields roughly 1,270 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 15 miles away. Within 50 miles of Paris there are 10 larger Census places. The 100-mile radius contains 60 larger places.

Lender access in Paris

With about 1,270 residents per square mile, Paris is moderately settled, and 10 larger Census places sit within 50 miles. Whether Paris has a local branch or not, a Kentucky-licensed lender can serve its 10,089 people online on the same terms. The nearest larger city, Winchester, KY about 14 miles away.

What Kentucky law requires in Paris

These are Kentucky's sourced lending facts as they reach Paris's 10,089 residents; the state has no city-level rate rule.