Personal loans in Wurtsboro, NY
In Wurtsboro, one of 595 Census places in New York, the figure to compare across lenders is the APR, not the advertised rate. An estimated 1,077 people make their home in Wurtsboro, a figure that ranks 406th in New York. The nearest larger metro is Middletown, NY about 10 miles away. Census figures put the 2020-to-2023 decrease in Wurtsboro at about 0.8%. A single loan can carry different costs on either side of a state line, and Wurtsboro sits on the New York side of that line. Verify the lender's New York licence against the regulator named below before borrowing in Wurtsboro.
Wurtsboro: population, trend and location
Set out below is Wurtsboro's local context next to the state-level rules that reach every lender here.
- Population: 1,077 people, a figure that places Wurtsboro 406th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.8% fewer residents than the 2020 Census counted.
- People gained or lost: about 9 fewer since the 2020 base.
- Size percentile: roughly 32% of New York places rank below Wurtsboro.
- Population density: 862 people per square mile on 1.2 square miles of land.
- Land area rank: Wurtsboro's 1.2 square miles rank 329th of 595 places in New York.
- Share of state population: Wurtsboro's 1,077 residents are about 0.0% of New York.
- National rank: Wurtsboro is the 9,932nd most populous of the 19,457 Census places covered here.
- Growth in New York: Wurtsboro stands 189th by percentage change from 2020 to 2023, among 595 places.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Wurtsboro's 0.8%.
- Density rank: Wurtsboro is the 435th most densely settled place in New York.
- Density vs New York: Wurtsboro's 862 people per square mile compare with a state median of 1,515.
- Location: mapped by the US Census Bureau at 41.5761, -74.4856.
- Nearest larger cities: Middletown (10 mi); Ellenville (11 mi); Monticello (12 mi); Montgomery (13 mi); Goshen (15 mi). Online lenders reach Wurtsboro no matter how far the nearest branch is.
- Smaller towns nearby: Bloomingburg (3 mi); Otisville (8 mi); Woodridge (11 mi).
- Smaller places within 50 miles: 20 of them.
- Larger places within 100 miles: 541.
The geography behind Wurtsboro
The Census Gazetteer records about 1.2 square miles of land within Wurtsboro, with no significant water area listed. That land carries about 862 people per square mile. New York, the largest place in New York, is about 69 miles from Wurtsboro. Counting outward 50 miles, 123 larger communities surround Wurtsboro. By land area it ranks 329th of 595 New York places.
How Wurtsboro compares across New York
Wurtsboro is the 406th-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 189th of 595 New York places, putting it near the 68th percentile for growth. Its roughly 862 residents per square mile place it 435th among New York's places. In land area, Wurtsboro ranks 329th among New York's 595 places.
How lenders reach Wurtsboro
Wurtsboro is moderately settled, with about 862 people per square mile and 123 larger places within 50 miles. Lenders licensed in New York reach Wurtsboro's 1,077 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Middletown, NY about 10 miles away.
Which New York laws govern a loan in Wurtsboro
When New York does not publish a figure, the row links to the source instead of inventing a number; Wurtsboro 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 |
Before you apply in Wurtsboro
Before you hand your details to a lender in Wurtsboro, where the population is near 1,077:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's New York licence with the regulator listed on this page.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
The process is identical across New York; what changes is your credit file, not the fact that Wurtsboro holds 1,077 people.
Common questions
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What loan size can I expect in Wurtsboro?
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Nearby places
- Bloomingburg, NY — population 980
- Otisville, NY — population 994
- Middletown, NY — population 30,152
- Woodridge, NY — population 711
- Ellenville, NY — population 4,174
- Monticello, NY — population 7,221
- Goshen, NY — population 5,733
- Montgomery, NY — population 3,760