Personal loans in Berlin, NH

The Census counts 9,459 people in Berlin, the 12th-largest figure among New Hampshire's 13 places. If debt is already a strain, a nonprofit credit counsellor can help Berlin residents before they take on more. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Berlin's 9,459 residents. A larger market lies at Auburn, ME about 58 miles away.

Borrowing in Berlin: the local picture

What follows is Berlin's place in the Census record, alongside the New Hampshire rules that govern a personal loan made here.

• Population: about 9,459, ranked 12th of 13 places in New Hampshire (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 0.4% more residents than the 2020 Census counted.
• Absolute change: 36 residents added between 2020 and 2023.
• Size percentile: about 8% of New Hampshire communities are smaller than Berlin (9,459 residents).
• Density: the Census land area of 61.3 sq mi holds about 154 people per square mile.
• Land area: Berlin covers 61.3 square miles, the 2nd-largest area among New Hampshire's 13 places.
• Water area rank: Berlin ranks 10th among New Hampshire's 13 places, with 0.85 sq mi.
• Share of state population: Berlin's 9,459 residents are about 2.2% of New Hampshire.
• Nationally: Berlin is the 3,269th-largest of 19,457 Census places in the dataset.
• Growth in New Hampshire: Berlin stands 10th by percentage change from 2020 to 2023, among 13 places.
• Against the state trend: Berlin's 0.4% change compares with a New Hampshire average of +1.8% across its 13 places.
• Density rank: Berlin places 13th among New Hampshire's places by people per square mile.
• Against the state median: Berlin runs about 154 residents per square mile, where the New Hampshire median is 745.
• Location: latitude 44.4843, longitude -71.2771 (Census Gazetteer).
• Nearest larger cities: Auburn (58 mi); Lewiston (61 mi); Laconia (64 mi); Westbrook (71 mi); Lebanon (76 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Lyndonville (36 mi); West Burke (36 mi); Wells River (45 mi).
• Smaller neighbours: 5 places smaller than Berlin sit within 50 miles.
• At 100 miles: 20 larger Census places fall inside that radius.

The anatomy of a Berlin personal loan

A Berlin personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 9,459 residents. Federal Truth in Lending rules require a Berlin lender to disclose the APR and finance charge before you sign. Shortening the term on a Berlin loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The New Hampshire lending rules that reach Berlin

Below are the New Hampshire rules that apply to a loan made in Berlin, each with the regulator that issued it.

Berlin against the rest of New Hampshire

Set beside New Hampshire's 13 places, Berlin ranks 12th by population and holds about 2.2% of the state total. For population change between 2020 and 2023, Berlin ranks 10th of 13 in New Hampshire (about the 23th percentile). At about 154 people per square mile, Berlin is the 13th most densely settled place in New Hampshire. Between 2020 and 2023 the count changed by roughly 36 residents.

Berlin: area, density and distance

Berlin's land area is about 61.3 square miles; a further 0.85 square miles is water. The resulting density is about 154 people per square mile. The largest place in New Hampshire, Manchester, lies about 104 miles away. Within 50 miles of Berlin there are 0 larger Census places. Within the same 50 miles lie 5 smaller Census places.

Lender access in Berlin

With about 154 residents per square mile, Berlin is lightly settled, and 0 larger Census places sit within 50 miles. A New Hampshire licence lets a lender serve Berlin without a local office, so branch density does not change what its 9,459 residents are offered. The nearest larger city, Auburn, ME about 58 miles away.