Personal loans in Pembroke, KY

State law, not city hall, decides what a lender may do to Pembroke's roughly 874 residents, and a state regulator supervises it.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Two households in Pembroke with comparable incomes can still be offered different rates; the city's 874 residents are not the reason. Roughly 874 residents live in Pembroke, the 222nd-largest community in Kentucky. The 2020 count to the 2023 estimate shows about 1.4% growth in Pembroke. Judge Pembroke offers on total cost, not on how quickly the money arrives. The nearest larger city is Hopkinsville, KY about 8 miles away.

Pembroke: population, trend and location

Two layers matter for a Pembroke borrower: the local population picture and Kentucky's consumer-lending statutes.

Pembroke's place among Kentucky's 416 places

Pembroke is the 222nd-largest of 416 Census places in Kentucky and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 111th of 416 Kentucky places, putting it near the 73th percentile for growth. At about 787 people per square mile, Pembroke is the 268th most densely settled place in Kentucky. The population moved by about 12 people between 2020 and 2023, a 1.4% shift.

What is available to Pembroke borrowers

At roughly 787 people per square mile, Pembroke is moderately settled; 41 larger places lie within 50 miles. A Kentucky licence lets a lender serve Pembroke without a local office, so branch density does not change what its 874 residents are offered. The nearest larger city, Hopkinsville, KY about 8 miles away.

Land, water and location for Pembroke

Pembroke covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 874 residents, the land area yields roughly 787 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 182 miles. Counting outward 50 miles, 41 larger communities surround Pembroke. The 100-mile radius contains 153 larger places.

Kentucky rules behind a Pembroke personal loan

Kentucky has no separate rate rule for Pembroke; the sourced rows below are what reach every lender that serves its 874 people.

RuleDetailSource
State lending regulatorKentucky 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
Small-loan / installment lender licensingConsumer 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
Consumer Loan Company license — statutory basisLicense 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

A practical checklist for Pembroke borrowers

These steps shape the offer you get in Pembroke, a place of about 874 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Kentucky licence with the regulator listed on this page.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Kentucky; what changes is your credit file, not the fact that Pembroke holds 874 people.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Pembroke if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Pembroke is the same as anywhere in Kentucky.
What loan size can I expect in Pembroke?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Pembroke?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Pembroke cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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