Personal loans in Adams, NY

The 2020 count to the 2023 estimate shows about 0.9% decline in Adams. Compare APR, not the interest rate, because the APR folds in most fees on a Adams loan. Consumer lending that reaches Adams's 1,678 residents is governed by New York statute; no city ordinance changes it. The closest larger city is Watertown, NY about 13 miles away.

Adams: population, trend and location

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: 1,678 — Adams ranks 340th of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.9%.
• Absolute change: 16 residents lost between 2020 and 2023.
• Size percentile: roughly 43% of New York's places have fewer residents than Adams's 1,678.
• Population density: 1,161 people per square mile on 1.4 square miles of land.
• Land area: Adams covers 1.4 square miles, the 287th-largest area among New York's 595 places.
• State population share: Adams accounts for about 0.0% of everyone in New York.
• National rank: Adams sits 8,288th by population among the 19,457 places in this dataset.
• Growth rank: Adams ranks 205th 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 Adams's 0.9%.
• Density rank: Adams is the 367th most densely settled place in New York.
• Density in context: Adams's 1,161 people per square mile sit against a New York median of 1,515.
• Location: 43.8102, -76.0230 (US Census Bureau Gazetteer).
• Nearest larger cities: Watertown (13 mi); Pulaski (18 mi); West Carthage (23 mi); Carthage (24 mi); Lowville (27 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Mannsville (7 mi); Ellisburg (8 mi); Sackets Harbor (10 mi).
• Smaller places within 50 miles: 31 of them.
• At 100 miles: 82 larger Census places fall inside that radius.

The anatomy of a Adams personal loan

Adams is a small community of about 1,678 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Adams loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Adams loan but raises total interest, so the smallest payment is not the cheapest loan.

How New York law applies in Adams

The rows below set out what a licensed lender must follow in New York, and so for Adams's roughly 1,678 residents.

Land, water and location for Adams

The Census Gazetteer records about 1.4 square miles of land within Adams, with no significant water area listed. With 1,678 residents, the land area yields roughly 1,161 people per square mile. New York, the largest place in New York, is about 242 miles from Adams. Within 50 miles of Adams there are 17 larger Census places. By land area it ranks 287th of 595 New York places.

What is available to Adams borrowers

Adams is a moderately settled community of about 1,678 people, with 17 larger places inside a 50-mile radius. A New York licence lets a lender serve Adams without a local office, so branch density does not change what its 1,678 residents are offered. For a larger market, the closest option is Watertown, NY about 13 miles away.

Adams in state context

Against New York's other places, Adams accounts for about 0.0% of the state's population and ranks 340th of 595 by size. For population change between 2020 and 2023, Adams ranks 205th of 595 in New York (about the 66th percentile). By density, at about 1,161 people per square mile, it ranks 367th in New York. Within 50 miles sit 31 smaller Census places, alongside the 17 that are larger.