Personal loans in Lodi, NY

Lodi ranks 576th of 595 places in New York, with a population near 281. Work out your debt-to-income ratio first; lenders weigh it heavily, and Lodi's 281 residents are no exception. Census figures put the 2020-to-2023 decrease in Lodi at about 3.4%. The closest larger place is Ovid, NY about 4 miles away.

What the Census records for Lodi

Here is the sourced Census picture for Lodi, plus the New York lending rules that apply to a loan taken out here.

• Population: 281 people, a figure that places Lodi 576th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
• Population trend: About 3.4% below the 2020 Census base.
• Absolute change: 10 residents lost between 2020 and 2023.
• Size percentile: with 281 residents, Lodi is larger than about 3% of New York's Census places.
• Density: roughly 510 residents per square mile, spread over 0.6 sq mi of land.
• Land area: Lodi covers 0.6 square miles, the 515th-largest area among New York's 595 places.
• State population share: Lodi accounts for about 0.0% of everyone in New York.
• National rank: Lodi sits 15,349th by population among the 19,457 places in this dataset.
• Growth rank: Lodi's 2020-to-2023 change ranks 560th of 595 places in New York.
• Against the state trend: Lodi's 3.4% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Lodi places 533rd among New York's places by people per square mile.
• Density vs New York: Lodi's 510 people per square mile compare with a state median of 1,515.
• Location: coordinates 42.6134, -76.8220 (US Census Bureau Gazetteer).
• Nearest larger cities: Ovid (4 mi); Interlaken (5 mi); Dresden (8 mi); Trumansburg (10 mi); Dundee (10 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Millport (24 mi); Roseville (52 mi); Little Meadows (56 mi).
• Smaller places within 50 miles: 1 of them.
• Within 100 miles: 291 places are larger than Lodi.

The New York lending rules that reach Lodi

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

How lenders reach Lodi

Lodi is a moderately settled community of about 281 people, with 101 larger places inside a 50-mile radius. What is available to Lodi's 281 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ovid, NY about 4 miles away.

Where Lodi sits

The Census Gazetteer records about 0.6 square miles of land within Lodi, with no significant water area listed. The resulting density is about 510 people per square mile. The largest place in New York, New York, lies about 201 miles away. A 50-mile radius around Lodi takes in 101 places that are larger. The 100-mile radius contains 291 larger places.

How Lodi compares across New York

Set beside New York's 595 places, Lodi ranks 576th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 560th of 595 New York places, putting it near the 6th percentile for growth. At about 510 people per square mile, Lodi is the 533rd most densely settled place in New York. Within 50 miles sit 1 smaller Census places, alongside the 101 that are larger.

The Lodi borrowing checklist

These steps shape the offer you get in Lodi, a place of about 281 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's New York licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Lodi-specific: the same New York licensing and disclosure rules reach all 281 residents.