Personal loans in Holyoke, MA

With 37,628 residents, Holyoke outranks about 30% of the communities in Massachusetts. The closest larger city is Chicopee, MA about 4 miles away. Every figure below is Massachusetts's own, applied to Holyoke's 37,628 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Holyoke.

What the Census records for Holyoke

Two layers matter for a Holyoke borrower: the local population picture and Massachusetts's consumer-lending statutes.

• Population: about 37,628, ranked 38th of 54 places in Massachusetts (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.6% since the 2020 count.
• Net change: roughly 623 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 30% of the places in Massachusetts, with 37,628 residents in Holyoke.
• Density: the Census land area of 21.2 sq mi holds about 1,778 people per square mile.
• By land area: Holyoke ranks 25th among Massachusetts's 54 places, at 21.2 sq mi.
• Water area: Holyoke has 1.63 square miles of water, ranking 17th of 54 places in Massachusetts.
• State share: roughly 1.0% of Massachusetts's residents live in Holyoke (37,628 people).
• National standing: Holyoke ranks 1,071st of 19,457 US places.
• Growth rank: Holyoke ranks 46th among Massachusetts's 54 places for the 2020-to-2023 change.
• Against the state trend: Holyoke's 1.6% change compares with a Massachusetts average of -0.7% across its 54 places.
• Density rank: Holyoke places 34th among Massachusetts's places by people per square mile.
• Against the state median: Holyoke runs about 1,778 residents per square mile, where the Massachusetts median is 2,833.
• Location: mapped by the US Census Bureau at 42.2117, -72.6424.
• Nearest larger cities: Chicopee (4 mi); Westfield (8 mi); Springfield (8 mi); Amherst Town (13 mi); Hartford (31 mi). Living near a larger metro rarely changes what is available in Holyoke.
• Nearest smaller places: West Springfield Town (6 mi); Northampton (8 mi); Agawam Town (10 mi).
• Within a 50-mile radius: 16 smaller Census places.
• At 100 miles: 63 larger Census places fall inside that radius.

Borrowing reach in Holyoke

With about 1,778 residents per square mile, Holyoke is moderately settled, and 13 larger Census places sit within 50 miles. Lenders licensed in Massachusetts reach Holyoke's 37,628 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Chicopee, MA about 4 miles away.

How Holyoke compares across Massachusetts

Set beside Massachusetts's 54 places, Holyoke ranks 38th by population and holds about 1.0% of the state total. Its 2020-to-2023 change ranks 46th of 54 Massachusetts places, putting it near the 15th percentile for growth. By density, at about 1,778 people per square mile, it ranks 34th in Massachusetts. In land area, Holyoke ranks 25th among Massachusetts's 54 places.

Holyoke: area, density and distance

Holyoke covers about 21.2 square miles of land, with 1.63 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,778 residents per square mile. For the state's biggest city, Boston, the distance is roughly 83 miles. A 50-mile radius around Holyoke takes in 13 places that are larger. The 100-mile radius contains 63 larger places.

How personal loans work in Holyoke

Most loans made to Holyoke's 37,628 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Holyoke can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Holyoke loan is knowable in advance — unlike a revolving card balance.

How Massachusetts law applies in Holyoke

When Massachusetts does not publish a figure, the row links to the source instead of inventing a number; Holyoke is bound by the same rules.