Personal loans in Raceland, KY

The first question in Raceland is not the rate on offer but whether the payment fits; about 2,301 people live here under Kentucky lending law. With an estimated 2,301 residents, Raceland is the 131st-largest of 416 places in Kentucky. A 2020-to-2023 comparison shows Raceland down by about 1.8%. Compare APR, not the interest rate, because the APR folds in most fees on a Raceland loan. The nearest larger city is Flatwoods, KY about 1 miles away.

Raceland: population, trend and location

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

• Population: 2,301 residents; Raceland is the 131st-largest of 416 places in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.8% between 2020 and 2023.
• People gained or lost: about 42 fewer since the 2020 base.
• Size percentile: roughly 69% of Kentucky places rank below Raceland.
• Density: roughly 927 residents per square mile, spread over 2.5 sq mi of land.
• By land area: Raceland ranks 145th among Kentucky's 416 places, at 2.5 sq mi.
• Within Kentucky: about 0.1% of the state's population lives in Raceland.
• Nationally: Raceland is the 7,114th-largest of 19,457 Census places in the dataset.
• Growth rank: Raceland's 2020-to-2023 change ranks 327th of 416 places in Kentucky.
• Against the state trend: Raceland's 1.8% change compares with a Kentucky average of -0.2% across its 416 places.
• Density in Kentucky: Raceland ranks 236th by people per square mile.
• Density vs Kentucky: Raceland's 927 people per square mile compare with a state median of 1,045.
• Location: 38.5374, -82.7387 (Census Gazetteer coordinates).
• Nearest larger cities: Flatwoods (1 mi); Russell (3 mi); Ironton (3 mi); Ashland (7 mi); South Point (12 mi). Lenders licensed in the state serve Raceland whether or not they keep a local branch.
• Nearest smaller towns: Worthington (1 mi); Hanging Rock (2 mi); Wurtland (2 mi).
• Within a 50-mile radius: 48 smaller Census places.
• At 100 miles: 101 larger Census places fall inside that radius.

How lenders reach Raceland

Raceland is a moderately settled community of about 2,301 people, with 22 larger places inside a 50-mile radius. A Kentucky licence lets a lender serve Raceland without a local office, so branch density does not change what its 2,301 residents are offered. The nearest larger city, Flatwoods, KY about 1 miles away.

The geography behind Raceland

The Census Gazetteer records about 2.5 square miles of land within Raceland, with no significant water area listed. The resulting density is about 927 people per square mile. The state's population centre of gravity, Lexington-Fayette, is roughly 99 miles away. Raceland has 22 larger places within a 50-mile radius. Within the same 50 miles lie 48 smaller Census places.

Kentucky rules behind a Raceland personal loan

The rows below set out what a licensed lender must follow in Kentucky, and so for Raceland's roughly 2,301 residents.

Inside a Raceland personal loan

With roughly 2,301 residents, Raceland is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Raceland can be quoted different APRs on the same amount and term. Shortening the term on a Raceland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Raceland in state context

Against Kentucky's other places, Raceland accounts for about 0.1% of the state's population and ranks 131st of 416 by size. Its 2020-to-2023 change ranks 327th of 416 Kentucky places, putting it near the 21th percentile for growth. Its roughly 927 residents per square mile place it 236th among Kentucky's places. Between 2020 and 2023 the count changed by roughly 42 residents.