Personal loans in Worthville, KY

To lend to Worthville's 176 residents, a company must hold a Kentucky licence, and each sourced row below names the regulator behind 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.

The roughly 176 people who live in Worthville borrow under Kentucky rules; city hall sets no personal-loan rate. The Census estimates 176 residents in Worthville, which ranks it 383rd of 416 places in Kentucky. The trend for Worthville between 2020 and 2023 is upward by roughly 1.7%. Price two or three terms so you can see which payment is truly affordable in Worthville. The closest larger place is Carrollton, KY about 7 miles away.

The Worthville data picture

Worthville is a small community; the notes below cover its population profile and the statewide rules that apply.

What a Worthville borrower is actually offered

A Worthville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 176 residents. Federal Truth in Lending rules require a Worthville lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Worthville loan but raises total interest, so the smallest payment is not the cheapest loan.

Worthville: area, density and distance

The Census Gazetteer records about 0.3 square miles of land within Worthville, with no significant water area listed. That land carries about 688 people per square mile. For the state's biggest city, Lexington-Fayette, the distance is roughly 51 miles. A 50-mile radius around Worthville takes in 189 places that are larger. Within the same 50 miles lie 17 smaller Census places.

Which Kentucky laws govern a loan in Worthville

Read the table as a lender's compliance picture for Worthville: the rule, the sourced figure, the publisher and the date.

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
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
Maximum legal interest rate (usury cap)Up to 19% per annum, or 4% over the 90-day commercial-paper discount rate, whichever is less (by written agreement)
Source says: "At a per annum rate not to exceed four percent (4%) in excess of the discount rate on ninety (90) day commercial paper ... or nineteen percent (19%), whichever is less".		Kentucky Legislative Research Commission (Kentucky Revised Statutes)
as of 2026-09-16

Worthville against the rest of Kentucky

Within Kentucky, Worthville holds roughly 0.0% of all residents, the 383rd-largest share among 416 places. Its 2020-to-2023 change ranks 98th of 416 Kentucky places, putting it near the 76th percentile for growth. Its roughly 688 residents per square mile place it 291st among Kentucky's places. In land area, Worthville ranks 333rd among Kentucky's 416 places.

Before you apply in Worthville

Before you apply in Worthville, a community of about 176, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Kentucky licence with the regulator named above before committing.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Worthville as elsewhere in Kentucky, the written terms — not the advertisement — are what count for its 176 residents.

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 Worthville 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 Worthville is the same as anywhere in Kentucky.
What loan size can I expect in Worthville?
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 Worthville?
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 Worthville 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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