Personal loans in Yorkville, NY
Yorkville is a small community in New York, with an estimated 2,588 residents, and every licensed lender here follows the same state rulebook. Roughly 2,588 residents live in Yorkville, the 261st-largest community in New York.
Pull your credit reports and line up at least three offers before you apply from Yorkville. Yorkville lost roughly 2.7% of its population across the 2020-to-2023 comparison. Every figure below is New York's own, applied to Yorkville's 2,588 residents, with the publisher and retrieval date attached. The nearest larger city is New York Mills, NY about 1 miles away.
Where Yorkville stands
Yorkville is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 2,588 residents, 261st of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.7% fewer residents than the 2020 Census counted.
- People gained or lost: about 71 fewer since the 2020 base.
- Size percentile: with 2,588 residents, Yorkville is larger than about 56% of New York's Census places.
- Population density: 3,857 people per square mile on 0.7 square miles of land.
- By land area: Yorkville ranks 492nd among New York's 595 places, at 0.7 sq mi.
- State population share: Yorkville accounts for about 0.0% of everyone in New York.
- National rank: Yorkville is 6,736th of 19,457 places nationwide.
- Growth in New York: Yorkville stands 518th by percentage change from 2020 to 2023, among 595 places.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Yorkville's 2.7%.
- Density rank: Yorkville is the 102nd most densely settled place in New York.
- Against the state median: Yorkville runs about 3,857 residents per square mile, where the New York median is 1,515.
- Location: mapped by the US Census Bureau at 43.1124, -75.2740.
- Nearest larger cities: New York Mills (1 mi); Whitesboro (1 mi); Utica (3 mi); Rome (13 mi); Ilion (14 mi). Online lenders reach Yorkville no matter how far the nearest branch is.
- Smaller towns nearby: New Hartford (3 mi); Oriskany (4 mi); Clinton (7 mi).
- Within a 50-mile radius: 59 smaller Census places.
- At 100 miles: 79 larger Census places fall inside that radius.
A pre-application checklist for Yorkville
These steps shape the offer you get in Yorkville, a place of about 2,588 people:
- 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.
- Shop at least three lenders and judge them on APR and total cost.
- Check the New York regulator's records to confirm the lender is licensed here.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Yorkville and the rest of New York is not the process but the borrower's own file, among the 2,588 people here.
Yorkville against the rest of New York
Yorkville is the 261st-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 518th of 595 New York places, putting it near the 13th percentile for growth. By density, at about 3,857 people per square mile, it ranks 102nd in New York. In land area, Yorkville ranks 492nd among New York's 595 places.
Getting a loan in Yorkville
At roughly 3,857 people per square mile, Yorkville is fairly dense; 26 larger places lie within 50 miles. What is available to Yorkville's 2,588 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest bigger place is New York Mills, NY about 1 miles away.
New York rules behind a Yorkville personal loan
Read the table as a lender's compliance picture for Yorkville: the rule, the sourced figure, the publisher and the date.
| 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 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) 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 |
Yorkville: area, density and distance
Inside Yorkville's boundaries lie about 0.7 square miles of land, with no significant water area recorded. Spread across it are roughly 3,857 residents per square mile. The state's population centre of gravity, New York, is roughly 183 miles away. A 50-mile radius around Yorkville takes in 26 places that are larger. By land area it ranks 492nd of 595 New York places.
Common questions
What are my options in Yorkville if my credit is poor?
What loan size can I expect in Yorkville?
Do I have to pledge anything to borrow in Yorkville?
Does comparing loans in Yorkville cost me credit score points?
Nearby places
- New York Mills, NY — population 3,190
- Whitesboro, NY — population 3,591
- New Hartford, NY — population 1,862
- Utica, NY — population 63,607
- Oriskany, NY — population 1,344
- Clinton, NY — population 1,644
- Holland Patent, NY — population 393
- Clayville, NY — population 334