Personal loans in South Dayton, NY

South Dayton is a small community in New York, with an estimated 550 residents, and every licensed lender here follows the same state rulebook. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a South Dayton loan. To lend to South Dayton's 550 residents, a company must hold a New York licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Gowanda, NY about 9 miles away.

South Dayton: population, trend and location

Most of what governs a South Dayton loan is written in New York law rather than in the city; the sourced notes below make that split concrete.

• Population: about 550 people live here, which puts South Dayton 511th of 595 Census places in New York (Vintage 2023).
• Population trend: A loss of roughly 2.7% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 15 residents.
• Size percentile: roughly 14% of New York places rank below South Dayton.
• Density: roughly 547 residents per square mile, spread over 1.0 sq mi of land.
• Land area: South Dayton covers 1.0 square miles, the 401st-largest area among New York's 595 places.
• Share of New York: South Dayton holds about 0.0% of the state's population, some 550 people.
• National rank: South Dayton sits 12,771st by population among the 19,457 places in this dataset.
• Growth rank: South Dayton's 2020-to-2023 change ranks 515th of 595 places in New York.
• State comparison: New York's places average -1.1% for 2020-to-2023, against South Dayton's 2.7%.
• Density rank: South Dayton is the 520th most densely settled place in New York.
• Density vs New York: South Dayton's 547 people per square mile compare with a state median of 1,515.
• Location: 42.3628, -79.0510 (US Census Bureau Gazetteer).
• Nearest larger cities: Gowanda (9 mi); Cattaraugus (10 mi); Sinclairville (13 mi); Cassadaga (14 mi); Silver Creek (14 mi). Lenders licensed in the state serve South Dayton whether or not they keep a local branch.
• Smaller communities close by: Farnham (16 mi); Ellicottville (20 mi); Bemus Point (22 mi), each with its own Census population profile.
• Smaller neighbours: 11 places smaller than South Dayton sit within 50 miles.
• At 100 miles: 181 larger Census places fall inside that radius.

South Dayton's place among New York's 595 places

Within New York, South Dayton holds roughly 0.0% of all residents, the 511th-largest share among 595 places. For population change between 2020 and 2023, South Dayton ranks 515th of 595 in New York (about the 13th percentile). By density, at about 547 people per square mile, it ranks 520th in New York. In land area, South Dayton ranks 401st among New York's 595 places.

What New York law requires in South Dayton

When New York does not publish a figure, the row links to the source instead of inventing a number; South Dayton is bound by the same rules.

Land, water and location for South Dayton

The Census Gazetteer records about 1.0 square miles of land within South Dayton, with no significant water area listed. The resulting density is about 547 people per square mile. The state's population centre of gravity, New York, is roughly 289 miles away. Counting outward 50 miles, 53 larger communities surround South Dayton. Within the same 50 miles lie 11 smaller Census places.

Lender access in South Dayton

South Dayton is moderately settled, with about 547 people per square mile and 53 larger places within 50 miles. Lenders licensed in New York reach South Dayton's 550 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Gowanda, NY about 9 miles away.

The South Dayton borrowing checklist

For South Dayton's roughly 550 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the New York regulator's licence records before you sign.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is South Dayton-specific: the same New York licensing and disclosure rules reach all 550 residents.