Personal loans in Union Springs, NY

Union Springs lost roughly 2.4% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Union Springs's roughly 1,080 residents, and a state regulator supervises it. Read the disclosure for an origination fee and any prepayment penalty before signing in Union Springs. The closest larger city is Auburn, NY about 9 miles away.

Where Union Springs stands

Here is the sourced Census picture for Union Springs, plus the New York lending rules that apply to a loan taken out here.

• Population: the Census counts 1,080 residents in Union Springs (Vintage 2023 subcounty estimate), the 405th-largest figure among New York's 595 places.
• Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 27 fewer since the 2020 base.
• Size percentile: about 32% of New York communities are smaller than Union Springs (1,080 residents).
• Land and density: 1.7 square miles of land carry roughly 618 residents per square mile.
• Land area: Union Springs covers 1.7 square miles, the 246th-largest area among New York's 595 places.
• Water area: Union Springs has 0.01 square miles of water, ranking 278th of 595 places in New York.
• Share of New York: Union Springs holds about 0.0% of the state's population, some 1,080 people.
• National rank: Union Springs is the 9,923rd most populous of the 19,457 Census places covered here.
• Growth rank: Union Springs ranks 488th among New York's 595 places for the 2020-to-2023 change.
• Against the state trend: Union Springs's 2.4% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Union Springs places 500th among New York's places by people per square mile.
• Against the state median: Union Springs runs about 618 residents per square mile, where the New York median is 1,515.
• Location: 42.8467, -76.6861 (US Census Bureau Gazetteer).
• Nearest larger cities: Auburn (9 mi); Waterloo (10 mi); Port Byron (14 mi); Skaneateles (15 mi); Geneva (15 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Cayuga (5 mi); Aurora (7 mi); Ovid (14 mi).
• Smaller neighbours: 33 places smaller than Union Springs sit within 50 miles.
• At 100 miles: 162 larger Census places fall inside that radius.

How a Union Springs personal loan is priced

A Union Springs personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,080 residents. Because pricing is borrower-level, two people in Union Springs can be quoted different APRs on the same amount and term. The term you choose in Union Springs decides the split between a comfortable payment and the total interest you pay.

How Union Springs compares across New York

Among New York's 595 places, Union Springs sits at 405th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Union Springs stands 488th among New York's 595 places — roughly the 18th percentile. By density, at about 618 people per square mile, it ranks 500th in New York. Within 50 miles sit 33 smaller Census places, alongside the 60 that are larger.

Land, water and location for Union Springs

Union Springs covers about 1.7 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 1,080 residents, the land area yields roughly 618 people per square mile. The state's population centre of gravity, New York, is roughly 207 miles away. Within 50 miles of Union Springs there are 60 larger Census places. Within the same 50 miles lie 33 smaller Census places.

New York consumer-lending rules applied in Union Springs

Every row below records a New York rule, its publisher and its retrieval date — the same rules a Union Springs lender must follow.

What is available to Union Springs borrowers

With about 618 residents per square mile, Union Springs is moderately settled, and 60 larger Census places sit within 50 miles. Whether Union Springs has a local branch or not, a New York-licensed lender can serve its 1,080 people online on the same terms. The nearest bigger place is Auburn, NY about 9 miles away.