Personal loans in Monticello, NY

The first question in Monticello is not the rate on offer but whether the payment fits; about 7,221 people live here under New York lending law. Read the disclosure for an origination fee and any prepayment penalty before signing in Monticello. State law, not city hall, decides what a lender may do to Monticello's roughly 7,221 residents, and a state regulator supervises it. The closest larger city is Port Jervis, NY about 19 miles away.

The Monticello data picture

Monticello is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: about 7,221, ranked 125th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 0.4% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 30 residents.
• Size percentile: about 79% of New York communities are smaller than Monticello (7,221 residents).
• Population density: 1,766 people per square mile on 4.1 square miles of land.
• Land area rank: Monticello's 4.1 square miles rank 81st of 595 places in New York.
• Water: Monticello holds about 0.02 square miles, the 249th-largest water area in New York.
• Within New York: about 0.1% of the state's population lives in Monticello.
• National rank: Monticello is 3,928th of 19,457 places nationwide.
• Growth in New York: Monticello stands 132nd by percentage change from 2020 to 2023, among 595 places.
• Versus New York: the state average change is -1.1%, while Monticello moved 0.4%.
• Density rank: Monticello places 248th among New York's places by people per square mile.
• Density vs New York: Monticello's 1,766 people per square mile compare with a state median of 1,515.
• Location: 41.6525, -74.6878 (Census Gazetteer coordinates).
• Nearest larger cities: Port Jervis (19 mi); Middletown (20 mi); New Paltz (32 mi); Kiryas Joel (34 mi); Monroe (35 mi). Lenders licensed in the state serve Monticello whether or not they keep a local branch.
• Smaller communities close by: Woodridge (7 mi); Liberty (10 mi); Wurtsboro (12 mi), each with its own Census population profile.
• Smaller places within 50 miles: 74 of them.
• Larger places within 100 miles: 241.

How lenders reach Monticello

At roughly 1,766 people per square mile, Monticello is moderately settled; 28 larger places lie within 50 miles. A New York licence lets a lender serve Monticello without a local office, so branch density does not change what its 7,221 residents are offered. The nearest bigger place is Port Jervis, NY about 19 miles away.

Monticello on the map

Monticello covers about 4.1 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,766 people per square mile. New York, the largest place in New York, is about 79 miles from Monticello. A 50-mile radius around Monticello takes in 28 places that are larger. The 100-mile radius contains 241 larger places.

How a Monticello personal loan is priced

With roughly 7,221 residents, Monticello is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Monticello can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Monticello loan is knowable in advance — unlike a revolving card balance.

Which New York laws govern a loan in Monticello

These are New York's sourced lending facts as they reach Monticello's 7,221 residents; the state has no city-level rate rule.

Monticello in state context

Among New York's 595 places, Monticello sits at 125th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Monticello stands 132nd among New York's 595 places — roughly the 78th percentile. At about 1,766 people per square mile, Monticello is the 248th most densely settled place in New York. The population moved by about 30 people between 2020 and 2023, a 0.4% shift.