Personal loans in Angola, NY
State law, not city hall, decides what a lender may do to Angola's roughly 2,021 residents, and a state regulator supervises it. Angola ranks 299th of 595 places in New York, with a population near 2,021.
The roughly 2,021 people who live in Angola borrow under New York rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 decrease in Angola at about 1.4%. Decide the purpose of the loan and your repayment plan before sharing any details with a Angola lender. Borrowers who want a bigger city can look to Silver Creek, NY about 10 miles away.
What the Census records for Angola
The figures below are Angola's own — Census population, land area and coordinates — followed by the New York rules.
- Population: an estimated 2,021 residents, 299th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.4% from 2020 to 2023.
- People gained or lost: about 29 fewer since the 2020 base.
- Size percentile: bigger than about 50% of the places in New York, with 2,021 residents in Angola.
- Population density: about 1,426 people per square mile across 1.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Angola's 1.4 square miles rank 292nd of 595 places in New York.
- Share of New York: Angola holds about 0.0% of the state's population, some 2,021 people.
- National rank: Angola sits 7,584th by population among the 19,457 places in this dataset.
- Growth rank: Angola ranks 285th 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 Angola's 1.4%.
- Density in New York: Angola ranks 320th by people per square mile.
- Density in context: Angola's 1,426 people per square mile sit against a New York median of 1,515.
- Location: mapped by the US Census Bureau at 42.6379, -79.0295.
- Nearest larger cities: Silver Creek (10 mi); Hamburg (12 mi); Gowanda (13 mi); Blasdell (15 mi); Lackawanna (16 mi). Lenders licensed in the state serve Angola whether or not they keep a local branch.
- Nearest smaller towns: Farnham (4 mi); North Collins (6 mi); South Dayton (19 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 30 smaller Census places.
- Larger places within 100 miles: 85.
Which New York laws govern a loan in Angola
Below are the New York rules that apply to a loan made in Angola, each with the regulator that issued it.
| 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 |
| 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 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
Angola: area, density and distance
The Census Gazetteer records about 1.4 square miles of land within Angola, with no significant water area listed. The resulting density is about 1,426 people per square mile. The state's population centre of gravity, New York, is roughly 296 miles away. Angola has 32 larger places within a 50-mile radius. The 100-mile radius contains 85 larger places.
Before you apply in Angola
A sensible order of operations for a loan in Angola, home to about 2,021 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the New York regulator's licence records before you sign.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Angola and the rest of New York is not the process but the borrower's own file, among the 2,021 people here.
What a Angola borrower is actually offered
A Angola personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,021 residents. Because pricing is borrower-level, two people in Angola can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Angola loan is knowable in advance — unlike a revolving card balance.
Lender access in Angola
Angola is a moderately settled community of about 2,021 people, with 32 larger places inside a 50-mile radius. Lenders licensed in New York reach Angola's 2,021 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Silver Creek, NY about 10 miles away.
Common questions
What are my options in Angola if my credit is poor?
What loan size can I expect in Angola?
Do I have to pledge anything to borrow in Angola?
Does comparing loans in Angola cost me credit score points?
Nearby places
- Farnham, NY — population 363
- North Collins, NY — population 1,265
- Silver Creek, NY — population 2,583
- Gowanda, NY — population 2,456
- Hamburg, NY — population 9,744
- Blasdell, NY — population 2,534
- Lackawanna, NY — population 19,593
- South Dayton, NY — population 550