Personal loans in Ames, NY

Roughly 138 residents live in Ames, the 592nd-largest community in New York. For a bigger market, look to Sharon Springs, NY about 3 miles away. A lender that serves Ames operates under New York lending statutes and a New York supervisor. Verify the lender's New York licence against the regulator named below before borrowing in Ames.

Where Ames stands

Ames is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 138 residents in Ames (Vintage 2023 subcounty estimate), the 592nd-largest figure among New York's 595 places.
• Population trend: The 2020-to-2023 change is negative, near 1.4%.
• Net change: roughly 2 fewer people than the 2020 Census counted.
• Size percentile: roughly 1% of New York places rank below Ames.
• Density: the Census land area of 0.1 sq mi holds about 1,053 people per square mile.
• Land area rank: Ames's 0.1 square miles rank 592nd of 595 places in New York.
• Share of state population: Ames's 138 residents are about 0.0% of New York.
• National rank: Ames is 17,447th of 19,457 places nationwide.
• Growth rank: Ames's 2020-to-2023 change ranks 290th of 595 places in New York.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Ames's 1.4%.
• Density rank: Ames is the 392nd most densely settled place in New York.
• Against the state median: Ames runs about 1,053 residents per square mile, where the New York median is 1,515.
• Location: mapped by the US Census Bureau at 42.8375, -74.6017.
• Nearest larger cities: Sharon Springs (3 mi); Canajoharie (5 mi); Palatine Bridge (6 mi); Nelliston (7 mi); Fort Plain (7 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Old Bennington (70 mi); Friendsville (97 mi); Newfane (99 mi).
• Within a 50-mile radius: 0 smaller Census places.
• At 100 miles: 256 larger Census places fall inside that radius.

A pre-application checklist for Ames

These steps shape the offer you get in Ames, a place of about 138 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the New York regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across New York; what changes is your credit file, not the fact that Ames holds 138 people.

Ames: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Ames, with no significant water area listed. Spread across it are roughly 1,053 residents per square mile. New York, the largest place in New York, is about 154 miles from Ames. A 50-mile radius around Ames takes in 88 places that are larger. The 100-mile radius contains 256 larger places.

How a Ames personal loan is priced

Ames is a small community of about 138 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Ames can be quoted different APRs on the same amount and term. Shortening the term on a Ames loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

New York consumer-lending rules applied in Ames

Every row below records a New York rule, its publisher and its retrieval date — the same rules a Ames lender must follow.

How Ames compares across New York

Ames is the 592nd-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 290th of 595 New York places, putting it near the 51th percentile for growth. At about 1,053 people per square mile, Ames is the 392nd most densely settled place in New York. By land area, its 0.1 square miles rank 592nd of 595 places in New York.