Personal loans in Rochester, KY

A personal loan in Rochester is priced from your credit file and income, not from the fact that the city holds 114 people. Judge Rochester offers on total cost, not on how quickly the money arrives. Every figure below is Kentucky's own, applied to Rochester's 114 residents, with the publisher and retrieval date attached. A larger market lies at Drakesboro, KY about 9 miles away.

Borrowing in Rochester: the local picture

The figures below are Rochester's own — Census population, land area and coordinates — followed by the Kentucky rules.

• Population: 114 people, a figure that places Rochester 402nd among the 416 Census places in Kentucky (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 0.9% from 2020 to 2023.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: Rochester's 114 people outrank roughly 3% of the places in Kentucky.
• Population density: 245 people per square mile on 0.5 square miles of land.
• Land area rank: Rochester's 0.5 square miles rank 289th of 416 places in Kentucky.
• Water: Rochester holds about 0.03 square miles, the 135th-largest water area in Kentucky.
• State share: roughly 0.0% of Kentucky's residents live in Rochester (114 people).
• National rank: Rochester is the 17,887th most populous of the 19,457 Census places covered here.
• Growth rank: Rochester's 2020-to-2023 change ranks 130th of 416 places in Kentucky.
• Against the state trend: Rochester's 0.9% change compares with a Kentucky average of -0.2% across its 416 places.
• Density rank: Rochester places 391st among Kentucky's places by people per square mile.
• Density in context: Rochester's 245 people per square mile sit against a Kentucky median of 1,045.
• Location: 37.2086, -86.8924 (Census Gazetteer coordinates).
• Nearest larger cities: Drakesboro (9 mi); Rockport (10 mi); Morgantown (11 mi); McHenry (12 mi); Beaver Dam (14 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Woodbury (14 mi); Wheatcroft (57 mi); Mauckport (68 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 1 of them.
• Larger places within 100 miles: 300.

What is available to Rochester borrowers

At roughly 245 people per square mile, Rochester is lightly settled; 69 larger places lie within 50 miles. Lenders licensed in Kentucky reach Rochester's 114 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Drakesboro, KY about 9 miles away.

The Rochester borrowing checklist

For Rochester's roughly 114 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Kentucky regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Rochester and the rest of Kentucky is not the process but the borrower's own file, among the 114 people here.

Where Rochester sits in Kentucky

Among Kentucky's 416 places, Rochester sits at 402nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Rochester ranks 130th of 416 in Kentucky (about the 69th percentile). By density, at about 245 people per square mile, it ranks 391st in Kentucky. In land area, Rochester ranks 289th among Kentucky's 416 places.

Rochester on the map

The Census Gazetteer records 0.5 square miles of land and 0.03 square miles of water within Rochester. That land carries about 245 people per square mile. Lexington-Fayette, the largest place in Kentucky, is about 145 miles from Rochester. Rochester has 69 larger places within a 50-mile radius. The 100-mile radius contains 300 larger places.

The state rulebook for Rochester

For the roughly 114 residents of Rochester, the rules below are Kentucky's own; each row carries its publisher and retrieval date.