Personal loans in Alden, NY
For a borrower among the roughly 2,594 residents of Alden, a personal loan is a tool whose cost turns on the terms, not the address. At about 2,594 residents, Alden is larger than roughly 56% of the places in New York.
Alden lost roughly 0.4% of its population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Alden. The nearest larger metro is Akron, NY about 8 miles away. State law, not city hall, decides what a lender may do to Alden's roughly 2,594 residents, and a state regulator supervises it.
What the Census records for Alden
Set out below is Alden's local context next to the state-level rules that reach every lender here.
- Population: 2,594 people, a figure that places Alden 260th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.4%.
- Absolute change: 11 residents lost between 2020 and 2023.
- Size percentile: bigger than about 56% of the places in New York, with 2,594 residents in Alden.
- Density: the Census land area of 2.7 sq mi holds about 954 people per square mile.
- Land area rank: Alden's 2.7 square miles rank 139th of 595 places in New York.
- Within New York: about 0.0% of the state's population lives in Alden.
- Nationally: Alden is the 6,725th-largest of 19,457 Census places in the dataset.
- Growth rank: Alden ranks 134th among New York's 595 places for the 2020-to-2023 change.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Alden's 0.4%.
- Density rank: Alden places 415th among New York's places by people per square mile.
- Density vs New York: Alden's 954 people per square mile compare with a state median of 1,515.
- Location: mapped by the US Census Bureau at 42.8989, -78.4946.
- Nearest larger cities: Akron (8 mi); Lancaster (9 mi); Depew (11 mi); East Aurora (11 mi); Williamsville (13 mi). Online lenders reach Alden no matter how far the nearest branch is.
- Smaller places nearby: Corfu (6 mi); Attica (11 mi); Alexander (12 mi).
- Within a 50-mile radius: 40 smaller Census places.
- Within 100 miles: 64 places are larger than Alden.
Land, water and location for Alden
Alden's land area is roughly 2.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 954 people per square mile. For the state's biggest city, New York, the distance is roughly 281 miles. A 50-mile radius around Alden takes in 31 places that are larger. By land area it ranks 139th of 595 New York places.
Where Alden sits in New York
Among New York's 595 places, Alden sits at 260th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Alden ranks 134th of 595 in New York (about the 77th percentile). At about 954 people per square mile, Alden is the 415th most densely settled place in New York. Between 2020 and 2023 the count changed by roughly 11 residents.
New York consumer-lending rules applied in Alden
When New York does not publish a figure, the row links to the source instead of inventing a number; Alden is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) as of 2026-09-16 |
How personal loans work in Alden
In Alden, a small community of about 2,594, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Alden can be quoted different APRs on the same amount and term. Shortening the term on a Alden loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Lender access in Alden
With about 954 residents per square mile, Alden is moderately settled, and 31 larger Census places sit within 50 miles. Distance to a branch rarely matters for Alden's 2,594 residents: the application is online and the price follows your credit file. The nearest bigger place is Akron, NY about 8 miles away.
Common questions
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Nearby places
- Corfu, NY — population 690
- Akron, NY — population 2,883
- Lancaster, NY — population 10,047
- East Aurora, NY — population 5,951
- Depew, NY — population 14,891
- Attica, NY — population 2,447
- Alexander, NY — population 496
- Williamsville, NY — population 5,458