Personal loans in Remsen, NY
About 411 people live in Remsen, placing it 546th of 595 Census places in New York. A 2020-to-2023 comparison shows Remsen down by about 2.8%. Remsen is a small community in New York, with an estimated 411 residents, and every licensed lender here follows the same state rulebook. A single loan can carry different costs on either side of a state line, and Remsen sits on the New York side of that line. Verify the lender's New York licence against the regulator named below before borrowing in Remsen. Borrowers who want a bigger city can look to Poland, NY about 9 miles away.
Remsen: population, trend and location
Here is the sourced Census picture for Remsen, plus the New York lending rules that apply to a loan taken out here.
- Population: 411 residents; Remsen is the 546th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.8% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 12 residents.
- Size percentile: Remsen's 411 people outrank roughly 8% of the places in New York.
- Density: roughly 1,105 residents per square mile, spread over 0.4 sq mi of land.
- By land area: Remsen ranks 556th among New York's 595 places, at 0.4 sq mi.
- State share: roughly 0.0% of New York's residents live in Remsen (411 people).
- Nationally: Remsen is the 13,993rd-largest of 19,457 Census places in the dataset.
- Growth rank: Remsen's 2020-to-2023 change ranks 533rd of 595 places in New York.
- Versus New York: the state average change is -1.1%, while Remsen moved 2.8%.
- Density rank: Remsen places 382nd among New York's places by people per square mile.
- Density vs New York: Remsen's 1,105 people per square mile compare with a state median of 1,515.
- Location: 43.3282, -75.1870 (Census Gazetteer coordinates).
- Nearest larger cities: Poland (9 mi); Boonville (13 mi); Newport (13 mi); Oriskany (14 mi); Whitesboro (15 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Holland Patent (7 mi); Cold Brook (10 mi); Constableville (20 mi).
- Smaller places within 50 miles: 10 of them.
- Larger places within 100 miles: 220.
What to do before borrowing in Remsen
Before you hand your details to a lender in Remsen, where the population is near 411:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the New York regulator's licence records before you sign.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
None of these steps is Remsen-specific: the same New York licensing and disclosure rules reach all 411 residents.
Borrowing reach in Remsen
With about 1,105 residents per square mile, Remsen is moderately settled, and 68 larger Census places sit within 50 miles. A New York licence lets a lender serve Remsen without a local office, so branch density does not change what its 411 residents are offered. The nearest larger city, Poland, NY about 9 miles away.
Where Remsen sits in New York
Remsen is the 546th-largest of 595 Census places in New York and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Remsen stands 533rd among New York's 595 places — roughly the 10th percentile. At about 1,105 people per square mile, Remsen is the 382nd most densely settled place in New York. The population moved by about 12 people between 2020 and 2023, a 2.8% shift.
How New York law applies in Remsen
When New York does not publish a figure, the row links to the source instead of inventing a number; Remsen is bound by the same rules.
| 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 |
| Payday lending status | Illegal in New York State, in person, by telephone, or over the Internet Source says: "Payday loans are illegal in New York State." | 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 |
Where Remsen sits
The Census Gazetteer records about 0.4 square miles of land within Remsen, with no significant water area listed. With 411 residents, the land area yields roughly 1,105 people per square mile. The state's population centre of gravity, New York, is roughly 195 miles away. A 50-mile radius around Remsen takes in 68 places that are larger. By land area it ranks 556th of 595 New York places.
Common questions
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Nearby places
- Holland Patent, NY — population 393
- Poland, NY — population 482
- Cold Brook, NY — population 260
- Boonville, NY — population 2,007
- Newport, NY — population 555
- Oriskany, NY — population 1,344
- Whitesboro, NY — population 3,591
- Yorkville, NY — population 2,588