Personal loans in Fayetteville, NY
Fayetteville counts about 4,170 people, and what is genuinely local about borrowing here is limited — New York law does the governing. The Census counts 4,170 people in Fayetteville, the 190th-largest figure among New York's 595 places.
Fayetteville shed about 2.3% of its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Fayetteville lender. The closest larger place is Manlius, NY about 2 miles away. For the 4,170 people in Fayetteville, New York runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
Fayetteville: the sourced local profile
What follows is Fayetteville's place in the Census record, alongside the New York rules that govern a personal loan made here.
- Population: about 4,170, ranked 190th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 2.3% since the 2020 count.
- Net change: roughly 99 fewer people than the 2020 Census counted.
- Size percentile: with 4,170 residents, Fayetteville is larger than about 68% of New York's Census places.
- Population density: 2,403 people per square mile on 1.7 square miles of land.
- Land area: Fayetteville covers 1.7 square miles, the 249th-largest area among New York's 595 places.
- State share: roughly 0.0% of New York's residents live in Fayetteville (4,170 people).
- Nationally: Fayetteville is the 5,347th-largest of 19,457 Census places in the dataset.
- Growth rank: Fayetteville ranks 467th 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 Fayetteville's 2.3%.
- Density rank: Fayetteville is the 185th most densely settled place in New York.
- Density in context: Fayetteville's 2,403 people per square mile sit against a New York median of 1,515.
- Location: 43.0308 / -75.9984, per the US Census Bureau Gazetteer.
- Nearest larger cities: Manlius (2 mi); Chittenango (6 mi); Syracuse (7 mi); North Syracuse (10 mi); Solvay (11 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Minoa (3 mi); East Syracuse (4 mi); Cazenovia (10 mi).
- Smaller neighbours: 80 places smaller than Fayetteville sit within 50 miles.
- At 100 miles: 48 larger Census places fall inside that radius.
Lender access in Fayetteville
Fayetteville is fairly dense, with about 2,403 people per square mile and 18 larger places within 50 miles. Lenders licensed in New York reach Fayetteville's 4,170 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Manlius, NY about 2 miles away.
The geography behind Fayetteville
The Census Gazetteer records about 1.7 square miles of land within Fayetteville, with no significant water area listed. That land carries about 2,403 people per square mile. The largest place in New York, New York, lies about 195 miles away. Fayetteville has 18 larger places within a 50-mile radius. By land area it ranks 249th of 595 New York places.
How personal loans work in Fayetteville
In Fayetteville, a small community of about 4,170, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Fayetteville. Because the payment is fixed, the total cost of a Fayetteville loan is knowable in advance — unlike a revolving card balance.
How New York law applies in Fayetteville
Read the table as a lender's compliance picture for Fayetteville: the rule, the sourced figure, the publisher and the date.
| 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 |
Fayetteville in state context
Among New York's 595 places, Fayetteville sits at 190th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Fayetteville ranks 467th of 595 in New York (about the 22th percentile). At about 2,403 people per square mile, Fayetteville is the 185th most densely settled place in New York. By land area, its 1.7 square miles rank 249th of 595 places in New York.
Common questions
What are my options in Fayetteville if my credit is poor?
What loan size can I expect in Fayetteville?
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Nearby places
- Manlius, NY — population 4,593
- Minoa, NY — population 3,638
- East Syracuse, NY — population 3,002
- Chittenango, NY — population 4,810
- Syracuse, NY — population 145,560
- North Syracuse, NY — population 6,763
- Cazenovia, NY — population 2,739
- Fabius, NY — population 326