Personal loans in Livonia, NY
Livonia is a small community in New York, with an estimated 1,471 residents, and every licensed lender here follows the same state rulebook. About 1,471 people live in Livonia, placing it 360th of 595 Census places in New York.
Population in Livonia dropped about 1.8% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Livonia lender. The closest larger place is Lima, NY about 7 miles away. Which products a lender may offer to Livonia's 1,471 residents follows from the New York consumer-lending framework.
Livonia: the sourced local profile
Livonia is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,471 residents; Livonia is the 360th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.8% since the 2020 count.
- Absolute change: 27 residents lost between 2020 and 2023.
- Size percentile: bigger than about 39% of the places in New York, with 1,471 residents in Livonia.
- Population density: about 1,452 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Livonia's 1.0 square miles rank 398th of 595 places in New York.
- Share of state population: Livonia's 1,471 residents are about 0.0% of New York.
- National rank: Livonia is 8,753rd of 19,457 places nationwide.
- Growth in New York: Livonia stands 369th by percentage change from 2020 to 2023, among 595 places.
- Against the state trend: Livonia's 1.8% change compares with a New York average of -1.1% across its 595 places.
- Density rank: Livonia places 314th among New York's places by people per square mile.
- Density in context: Livonia's 1,452 people per square mile sit against a New York median of 1,515.
- Location: latitude 42.8219, longitude -77.6688 (Census Gazetteer).
- Nearest larger cities: Lima (7 mi); Geneseo (7 mi); Avon (7 mi); Honeoye Falls (10 mi); Mount Morris (12 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Leicester (12 mi); Bloomfield (13 mi); Naples (20 mi).
- Smaller neighbours: 35 places smaller than Livonia sit within 50 miles.
- Within 100 miles: 135 places are larger than Livonia.
What a Livonia borrower is actually offered
With roughly 1,471 residents, Livonia is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Livonia. The term you choose in Livonia decides the split between a comfortable payment and the total interest you pay.
How lenders reach Livonia
Livonia is moderately settled, with about 1,452 people per square mile and 48 larger places within 50 miles. A New York licence lets a lender serve Livonia without a local office, so branch density does not change what its 1,471 residents are offered. The nearest larger city, Lima, NY about 7 miles away.
Where Livonia sits in New York
Among New York's 595 places, Livonia sits at 360th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Livonia stands 369th among New York's 595 places — roughly the 38th percentile. Its roughly 1,452 residents per square mile place it 314th among New York's places. Within 50 miles sit 35 smaller Census places, alongside the 48 that are larger.
Land, water and location for Livonia
Livonia covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,452 people per square mile. New York, the largest place in New York, is about 243 miles from Livonia. Within 50 miles of Livonia there are 48 larger Census places. By land area it ranks 398th of 595 New York places.
What New York law requires in Livonia
Every row below records a New York rule, its publisher and its retrieval date — the same rules a Livonia lender must follow.
| 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 |
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | 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 |
Common questions
What are my options in Livonia if my credit is poor?
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Nearby places
- Lima, NY — population 2,099
- Avon, NY — population 3,437
- Geneseo, NY — population 7,731
- Honeoye Falls, NY — population 2,825
- Scottsville, NY — population 1,995
- Mount Morris, NY — population 2,839
- Leicester, NY — population 456
- Caledonia, NY — population 2,080