Personal loans in Sherrill, NY
The first question in Sherrill is not the rate on offer but whether the payment fits; about 2,992 people live here under New York lending law. With 2,992 residents, Sherrill outranks about 60% of the communities in New York.
A larger market lies at Oneida, NY about 4 miles away. A 2020-to-2023 comparison shows Sherrill down by about 2.7%. Every figure below is New York's own, applied to Sherrill's 2,992 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Sherrill lender.
Sherrill: the sourced local profile
Only a few things actually differ by place — population, area, location, and the New York rules a lender must follow — and they are below.
- Population: an estimated 2,992 residents, 236th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 2.7%.
- People gained or lost: about 84 fewer since the 2020 base.
- Size percentile: roughly 60% of New York places rank below Sherrill.
- Land and density: 2.3 square miles of land carry roughly 1,295 residents per square mile.
- Land area: Sherrill covers 2.3 square miles, the 171st-largest area among New York's 595 places.
- Within New York: about 0.0% of the state's population lives in Sherrill.
- National standing: Sherrill ranks 6,297th of 19,457 US places.
- Growth rank: Sherrill ranks 524th among New York's 595 places for the 2020-to-2023 change.
- Versus New York: the state average change is -1.1%, while Sherrill moved 2.7%.
- Density in New York: Sherrill ranks 341st by people per square mile.
- Against the state median: Sherrill runs about 1,295 residents per square mile, where the New York median is 1,515.
- Location: mapped by the US Census Bureau at 43.0704, -75.5992.
- Nearest larger cities: Oneida (4 mi); Canastota (8 mi); Rome (12 mi); Chittenango (14 mi); New York Mills (16 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Oneida Castle (2 mi); Vernon (3 mi); Wampsville (6 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 67 of them.
- At 100 miles: 74 larger Census places fall inside that radius.
Getting a loan in Sherrill
Sherrill is a moderately settled community of about 2,992 people, with 25 larger places inside a 50-mile radius. A New York licence lets a lender serve Sherrill without a local office, so branch density does not change what its 2,992 residents are offered. The nearest bigger place is Oneida, NY about 4 miles away.
The state rulebook for Sherrill
Read the table as a lender's compliance picture for Sherrill: the rule, the sourced figure, the publisher and the date.
| 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 |
Where Sherrill sits in New York
Set beside New York's 595 places, Sherrill ranks 236th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Sherrill stands 524th among New York's 595 places — roughly the 12th percentile. By density, at about 1,295 people per square mile, it ranks 341st in New York. In land area, Sherrill ranks 171st among New York's 595 places.
What to do before borrowing in Sherrill
For Sherrill's roughly 2,992 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the New York regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
The process is identical across New York; what changes is your credit file, not the fact that Sherrill holds 2,992 people.
Where Sherrill sits
The Census Gazetteer records about 2.3 square miles of land within Sherrill, with no significant water area listed. Spread across it are roughly 1,295 residents per square mile. For the state's biggest city, New York, the distance is roughly 187 miles. Counting outward 50 miles, 25 larger communities surround Sherrill. Within the same 50 miles lie 67 smaller Census places.
Common questions
What are my options in Sherrill if my credit is poor?
What loan size can I expect in Sherrill?
Do I have to pledge anything to borrow in Sherrill?
Does comparing loans in Sherrill cost me credit score points?
Nearby places
- Oneida Castle, NY — population 583
- Vernon, NY — population 1,156
- Oneida, NY — population 10,094
- Munnsville, NY — population 446
- Wampsville, NY — population 563
- Canastota, NY — population 4,462
- Morrisville, NY — population 1,328
- Sylvan Beach, NY — population 881