Personal loans in Versailles, KY

The Census estimates 10,491 residents in Versailles, which ranks it 38th of 416 places in Kentucky. Pull your credit reports and line up at least three offers before you apply from Versailles. For the 10,491 people in Versailles, Kentucky runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Lawrenceburg, KY about 10 miles away.

Where Versailles stands

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

• Population: about 10,491, ranked 38th of 416 places in Kentucky (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 1.4% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 141 residents.
• Size percentile: roughly 91% of Kentucky's places have fewer residents than Versailles's 10,491.
• Land and density: 6.5 square miles of land carry roughly 1,617 residents per square mile.
• By land area: Versailles ranks 60th among Kentucky's 416 places, at 6.5 sq mi.
• Water area rank: Versailles ranks 92nd among Kentucky's 416 places, with 0.04 sq mi.
• State population share: Versailles accounts for about 0.6% of everyone in Kentucky.
• National rank: Versailles is the 3,044th most populous of the 19,457 Census places covered here.
• Growth in Kentucky: Versailles stands 114th by percentage change from 2020 to 2023, among 416 places.
• Against the state trend: Versailles's 1.4% change compares with a Kentucky average of -0.2% across its 416 places.
• Density in Kentucky: Versailles ranks 136th by people per square mile.
• Density vs Kentucky: Versailles's 1,617 people per square mile compare with a state median of 1,045.
• Location: 38.0491, -84.7250 (Census Gazetteer coordinates).
• Nearest larger cities: Lawrenceburg (10 mi); Frankfort (13 mi); Nicholasville (14 mi); Lexington-Fayette (15 mi); Georgetown (18 mi). Larger metros often have more branches, but online lenders reach Versailles on the same terms.
• Smaller communities within reach: Midway (7 mi); Keene (9 mi); Wilmore (12 mi).
• Within a 50-mile radius: 95 smaller Census places.
• At 100 miles: 50 larger Census places fall inside that radius.

Where Versailles sits

The Census Gazetteer records 6.5 square miles of land and 0.04 square miles of water within Versailles. That land carries about 1,617 people per square mile. The largest place in Kentucky, Lexington-Fayette, lies about 15 miles away. Counting outward 50 miles, 14 larger communities surround Versailles. Within the same 50 miles lie 95 smaller Census places.

How personal loans work in Versailles

In Versailles, a small town of about 10,491, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Versailles lender to disclose the APR and finance charge before you sign. Shortening the term on a Versailles loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Versailles

A sensible order of operations for a loan in Versailles, home to about 10,491 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Kentucky regulator's records to confirm the lender is licensed here.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Versailles and the rest of Kentucky is not the process but the borrower's own file, among the 10,491 people here.

How Versailles compares across Kentucky

Against Kentucky's other places, Versailles accounts for about 0.6% of the state's population and ranks 38th of 416 by size. For population change between 2020 and 2023, Versailles ranks 114th of 416 in Kentucky (about the 73th percentile). At about 1,617 people per square mile, Versailles is the 136th most densely settled place in Kentucky. In land area, Versailles ranks 60th among Kentucky's 416 places.

Kentucky rules behind a Versailles personal loan

These are Kentucky's sourced lending facts as they reach Versailles's 10,491 residents; the state has no city-level rate rule.