Personal loans in Sinclairville, NY
With roughly 567 residents, Sinclairville is a small community, and the lending rules its borrowers live under are written in New York, not by the city.
The Census estimates 567 residents in Sinclairville, which ranks it 505th of 595 places in New York. The closest larger place is Falconer, NY about 11 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 1.9%. Which products a lender may offer to Sinclairville's 567 residents follows from the New York consumer-lending framework. Price two or three terms so you can see which payment is truly affordable in Sinclairville.
Sinclairville: population, trend and location
Set out below is Sinclairville's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 567, 505th among New York's 595 places (Vintage 2023).
- Population trend: Roughly 1.9% fewer residents than the 2020 Census counted.
- People gained or lost: about 11 fewer since the 2020 base.
- Size percentile: Sinclairville sits ahead of around 15% of New York places, at 567 people.
- Population density: about 349 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Sinclairville ranks 257th among New York's 595 places, at 1.6 sq mi.
- Share of state population: Sinclairville's 567 residents are about 0.0% of New York.
- National standing: Sinclairville ranks 12,663rd of 19,457 US places.
- Growth in New York: Sinclairville stands 397th by percentage change from 2020 to 2023, among 595 places.
- Against the state trend: Sinclairville's 1.9% change compares with a New York average of -1.1% across its 595 places.
- Density in New York: Sinclairville ranks 571st by people per square mile.
- Against the state median: Sinclairville runs about 349 residents per square mile, where the New York median is 1,515.
- Location: it lies at 42.2653, -79.2590 in the Census Gazetteer.
- Nearest larger cities: Falconer (11 mi); Celoron (11 mi); Jamestown (12 mi); Lakewood (12 mi); Mayville (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Cassadaga (6 mi); Bemus Point (10 mi); South Dayton (13 mi).
- Smaller neighbours: 17 places smaller than Sinclairville sit within 50 miles.
- Larger places within 100 miles: 178.
Sinclairville in state context
Against New York's other places, Sinclairville accounts for about 0.0% of the state's population and ranks 505th of 595 by size. Its 2020-to-2023 change ranks 397th of 595 New York places, putting it near the 33th percentile for growth. Its roughly 349 residents per square mile place it 571st among New York's places. The population moved by about 11 people between 2020 and 2023, a 1.9% shift.
Sinclairville: area, density and distance
Inside Sinclairville's boundaries lie about 1.6 square miles of land, with no significant water area recorded. Spread across it are roughly 349 residents per square mile. The largest place in New York, New York, lies about 297 miles away. Within 50 miles of Sinclairville there are 46 larger Census places. Within the same 50 miles lie 17 smaller Census places.
The New York lending rules that reach Sinclairville
When New York does not publish a figure, the row links to the source instead of inventing a number; Sinclairville 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 |
Inside a Sinclairville personal loan
A Sinclairville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 567 residents. The APR tracks your credit score rather than Sinclairville's rank of 505th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Sinclairville loan is knowable in advance — unlike a revolving card balance.
How lenders reach Sinclairville
Sinclairville is lightly settled, with about 349 people per square mile and 46 larger places within 50 miles. Distance to a branch rarely matters for Sinclairville's 567 residents: the application is online and the price follows your credit file. The nearest bigger place is Falconer, NY about 11 miles away.
Common questions
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Nearby places
- Cassadaga, NY — population 563
- Falconer, NY — population 2,241
- Celoron, NY — population 1,057
- Bemus Point, NY — population 308
- Jamestown, NY — population 27,965
- Lakewood, NY — population 2,948
- Fredonia, NY — population 9,455
- Brocton, NY — population 1,315