Personal loans in North Hornell, NY
North Hornell ranks 460th of 595 places in New York, with a population near 782. Personal loans in North Hornell are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 782 population. The 2020 count to the 2023 estimate shows about 0.3% growth in North Hornell. Compare APR, not the interest rate, because the APR folds in most fees on a North Hornell loan. State law, not city hall, decides what a lender may do to North Hornell's roughly 782 residents, and a state regulator supervises it. Borrowers who want a bigger city can look to Hornell, NY about 1 miles away.
Local context for North Hornell
Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.
- Population: 782 people, a figure that places North Hornell 460th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 0.3% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: bigger than about 23% of the places in New York, with 782 residents in North Hornell.
- Land and density: 0.5 square miles of land carry roughly 1,593 residents per square mile.
- Land area: North Hornell covers 0.5 square miles, the 531st-largest area among New York's 595 places.
- State share: roughly 0.0% of New York's residents live in North Hornell (782 people).
- National rank: North Hornell is 11,292nd of 19,457 places nationwide.
- Growth rank: North Hornell ranks 81st among New York's 595 places for the 2020-to-2023 change.
- Against the state trend: North Hornell's 0.3% change compares with a New York average of -1.1% across its 595 places.
- Density in New York: North Hornell ranks 283rd by people per square mile.
- Against the state median: North Hornell runs about 1,593 residents per square mile, where the New York median is 1,515.
- Location: 42.3454, -77.6605 (Census Gazetteer coordinates).
- Nearest larger cities: Hornell (1 mi); Canisteo (6 mi); Alfred (9 mi); Avoca (13 mi); Andover (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Arkport (4 mi); Almond (4 mi); Canaseraga (10 mi).
- Smaller places within 50 miles: 28 of them.
- At 100 miles: 199 larger Census places fall inside that radius.
North Hornell on the map
North Hornell's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,593 people per square mile. New York, the largest place in New York, is about 225 miles from North Hornell. Counting outward 50 miles, 58 larger communities surround North Hornell. By land area it ranks 531st of 595 New York places.
Inside a North Hornell personal loan
A North Hornell personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 782 residents. A lender serving North Hornell's 782 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a North Hornell loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Getting a loan in North Hornell
North Hornell is a moderately settled community of about 782 people, with 58 larger places inside a 50-mile radius. What is available to North Hornell's 782 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Hornell, NY about 1 miles away.
Where North Hornell sits in New York
Set beside New York's 595 places, North Hornell ranks 460th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, North Hornell stands 81st among New York's 595 places — roughly the 86th percentile. By density, at about 1,593 people per square mile, it ranks 283rd in New York. By land area, its 0.5 square miles rank 531st of 595 places in New York.
What New York law requires in North Hornell
New York has no separate rate rule for North Hornell; the sourced rows below are what reach every lender that serves its 782 people.
| 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 North Hornell if my credit is poor?
What loan size can I expect in North Hornell?
Do I have to pledge anything to borrow in North Hornell?
Does comparing loans in North Hornell cost me credit score points?
Nearby places
- Hornell, NY — population 8,049
- Arkport, NY — population 771
- Almond, NY — population 398
- Canisteo, NY — population 2,172
- Alfred, NY — population 4,789
- Canaseraga, NY — population 458
- Dansville, NY — population 4,346
- Cohocton, NY — population 718