Personal loans in Holland Patent, NY

Borrowing in Holland Patent: the local picture

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

• Population: 393 residents; Holland Patent is the 551st-largest of 595 places in New York (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 1.5% since the 2020 count.
• Absolute change: 6 residents lost between 2020 and 2023.
• Size percentile: roughly 7% of New York's places have fewer residents than Holland Patent's 393.
• Population density: about 777 people per square mile (Census land area 0.5 sq mi).
• Land area: Holland Patent covers 0.5 square miles, the 527th-largest area among New York's 595 places.
• State share: roughly 0.0% of New York's residents live in Holland Patent (393 people).
• National rank: Holland Patent is 14,166th of 19,457 places nationwide.
• Growth rank: Holland Patent's 2020-to-2023 change ranks 304th of 595 places in New York.
• Versus New York: the state average change is -1.1%, while Holland Patent moved 1.5%.
• Density rank: Holland Patent places 455th among New York's places by people per square mile.
• Density vs New York: Holland Patent's 777 people per square mile compare with a state median of 1,515.
• Location: it lies at 43.2411, -75.2566 in the Census Gazetteer.
• Nearest larger cities: Remsen (7 mi); Oriskany (7 mi); Whitesboro (8 mi); Yorkville (9 mi); Poland (10 mi). Lenders licensed in the state serve Holland Patent whether or not they keep a local branch.
• Smaller places close by: Cold Brook (11 mi); Clayville (18 mi); Constableville (24 mi).
• Smaller neighbours: 10 places smaller than Holland Patent sit within 50 miles.
• Within 100 miles: 227 places are larger than Holland Patent.

Lender access in Holland Patent

At roughly 777 people per square mile, Holland Patent is moderately settled; 72 larger places lie within 50 miles. A New York licence lets a lender serve Holland Patent without a local office, so branch density does not change what its 393 residents are offered. For a larger market, the closest option is Remsen, NY about 7 miles away.

Where Holland Patent sits in New York

Set beside New York's 595 places, Holland Patent ranks 551st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Holland Patent ranks 304th of 595 in New York (about the 49th percentile). At about 777 people per square mile, Holland Patent is the 455th most densely settled place in New York. By land area, its 0.5 square miles rank 527th of 595 places in New York.

Before you apply in Holland Patent

Before you hand your details to a lender in Holland Patent, where the population is near 393:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a New York licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Holland Patent as elsewhere in New York, the written terms — not the advertisement — are what count for its 393 residents.

Holland Patent: area, density and distance

The Census Gazetteer records about 0.5 square miles of land within Holland Patent, with no significant water area listed. The resulting density is about 777 people per square mile. The state's population centre of gravity, New York, is roughly 191 miles away. Holland Patent has 72 larger places within a 50-mile radius. Within the same 50 miles lie 10 smaller Census places.

What New York law requires in Holland Patent

The rows below set out what a licensed lender must follow in New York, and so for Holland Patent's roughly 393 residents.