Personal loans in West Winfield, NY

Pull your credit reports and line up at least three offers before you apply from West Winfield. Rate ceilings, licensing requirements and product limits for West Winfield are all set at the New York level. The trend for West Winfield between 2020 and 2023 is downward by roughly 1.5%. The nearest larger metro is Waterville, NY about 10 miles away.

Local context for West Winfield

What follows is West Winfield's place in the Census record, alongside the New York rules that govern a personal loan made here.

• Population: about 735 people live here, which puts West Winfield 470th of 595 Census places in New York (Vintage 2023).
• Population trend: A loss of roughly 1.5% between 2020 and 2023.
• Absolute change: 11 residents lost between 2020 and 2023.
• Size percentile: bigger than about 21% of the places in New York, with 735 residents in West Winfield.
• Population density: 807 people per square mile on 0.9 square miles of land.
• Land area: West Winfield covers 0.9 square miles, the 435th-largest area among New York's 595 places.
• State population share: West Winfield accounts for about 0.0% of everyone in New York.
• National rank: West Winfield is 11,572nd of 19,457 places nationwide.
• Growth rank: West Winfield ranks 301st among New York's 595 places for the 2020-to-2023 change.
• State comparison: New York's places average -1.1% for 2020-to-2023, against West Winfield's 1.5%.
• Density rank: West Winfield places 447th among New York's places by people per square mile.
• Against the state median: West Winfield runs about 807 residents per square mile, where the New York median is 1,515.
• Location: latitude 42.8838, longitude -75.1914 (Census Gazetteer).
• Nearest larger cities: Waterville (10 mi); Richfield Springs (11 mi); Ilion (12 mi); Frankfort (12 mi); Mohawk (13 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Clayville (7 mi); Oriskany Falls (14 mi); Madison (16 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 31 of them.
• Within 100 miles: 208 places are larger than West Winfield.

How a West Winfield personal loan is priced

In West Winfield, a small community of about 735, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a West Winfield loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in West Winfield decides the split between a comfortable payment and the total interest you pay.

How West Winfield compares across New York

Within New York, West Winfield holds roughly 0.0% of all residents, the 470th-largest share among 595 places. Its 2020-to-2023 change ranks 301st of 595 New York places, putting it near the 49th percentile for growth. At about 807 people per square mile, West Winfield is the 447th most densely settled place in New York. In land area, West Winfield ranks 435th among New York's 595 places.

Which New York laws govern a loan in West Winfield

This table holds the New York rate and licensing rules for consumer loans made to West Winfield's 735 residents.

The geography behind West Winfield

West Winfield covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 807 residents per square mile. The largest place in New York, New York, lies about 166 miles away. A 50-mile radius around West Winfield takes in 61 places that are larger. The 100-mile radius contains 208 larger places.

Lender access in West Winfield

At roughly 807 people per square mile, West Winfield is moderately settled; 61 larger places lie within 50 miles. Lenders licensed in New York reach West Winfield's 735 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Waterville, NY about 10 miles away.