Personal loans in Warwick, NY

From the 2020 Census base to the 2023 estimate, the population declined by about 2.4%. Use the calculator on this page to price an amount and term before you commit in Warwick. State law, not city hall, decides what a lender may do to Warwick's roughly 6,523 residents, and a state regulator supervises it. The closest larger city is Monroe, NY about 10 miles away.

The Warwick data picture

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: 6,523 — Warwick ranks 137th of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 2.4% across the 2020-to-2023 comparison.
• Net change: roughly 157 fewer people than the 2020 Census counted.
• Size percentile: about 77% of New York communities are smaller than Warwick (6,523 residents).
• Population density: about 2,689 people per square mile across 2.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Warwick covers 2.4 square miles, the 160th-largest area among New York's 595 places.
• Within New York: about 0.1% of the state's population lives in Warwick.
• National rank: Warwick is 4,165th of 19,457 places nationwide.
• Growth in New York: Warwick stands 471st by percentage change from 2020 to 2023, among 595 places.
• Versus New York: the state average change is -1.1%, while Warwick moved 2.4%.
• Density rank: Warwick places 166th among New York's places by people per square mile.
• Against the state median: Warwick runs about 2,689 residents per square mile, where the New York median is 1,515.
• Location: 41.2552, -74.3547 (US Census Bureau Gazetteer).
• Nearest larger cities: Monroe (10 mi); Ringwood (11 mi); Kiryas Joel (11 mi); Middletown (14 mi); Woodbury (14 mi). Online lenders reach Warwick no matter how far the nearest branch is.
• Nearest smaller towns: Greenwood Lake (4 mi); Florida (5 mi); Chester (8 mi).
• Smaller neighbours: 121 places smaller than Warwick sit within 50 miles.
• Within 100 miles: 265 places are larger than Warwick.

A practical checklist for Warwick borrowers

Complete these steps first when you borrow in Warwick (6,523 residents):

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. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a New York licence by checking the regulator named above.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Warwick-specific: the same New York licensing and disclosure rules reach all 6,523 residents.

New York rules behind a Warwick personal loan

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

What shapes a Warwick personal loan

In Warwick, a small town of about 6,523, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Warwick's rank of 137th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Warwick loan but raises total interest, so the smallest payment is not the cheapest loan.

Warwick in state context

Against New York's other places, Warwick accounts for about 0.1% of the state's population and ranks 137th of 595 by size. On the 2020-to-2023 trend, Warwick stands 471st among New York's 595 places — roughly the 21th percentile. At about 2,689 people per square mile, Warwick is the 166th most densely settled place in New York. By land area, its 2.4 square miles rank 160th of 595 places in New York.

Land, water and location for Warwick

Warwick's land area is roughly 2.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 2,689 people per square mile. New York, the largest place in New York, is about 46 miles from Warwick. A 50-mile radius around Warwick takes in 162 places that are larger. By land area it ranks 160th of 595 New York places.