Personal loans in Bath, NY

Population in Bath dropped about 1.3% over the three years from 2020 to 2023. Judge Bath offers on total cost, not on how quickly the money arrives. The nearest larger city is Hornell, NY about 18 miles away. Which products a lender may offer to Bath's 5,539 residents follows from the New York consumer-lending framework.

Bath: population, trend and location

Two layers matter for a Bath borrower: the local population picture and New York's consumer-lending statutes.

• Population: about 5,539 people live here, which puts Bath 158th of 595 Census places in New York (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.3%.
• Change in people: the 2020-to-2023 comparison is a loss of about 71 residents.
• Size percentile: bigger than about 73% of the places in New York, with 5,539 residents in Bath.
• Population density: about 1,746 people per square mile across 3.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Bath's 3.2 square miles rank 118th of 595 places in New York.
• Within New York: about 0.0% of the state's population lives in Bath.
• National rank: Bath is 4,564th of 19,457 places nationwide.
• Growth rank: Bath's 2020-to-2023 change ranks 259th of 595 places in New York.
• Against the state trend: Bath's 1.3% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Bath places 250th among New York's places by people per square mile.
• Against the state median: Bath runs about 1,746 residents per square mile, where the New York median is 1,515.
• Location: latitude 42.3361, longitude -77.3169 (Census Gazetteer).
• Nearest larger cities: Hornell (18 mi); Corning (19 mi); Horseheads (27 mi); Elmira (31 mi); Canandaigua (38 mi). Larger metros often have more branches, but online lenders reach Bath on the same terms.
• Smaller communities close by: Savona (6 mi); Hammondsport (7 mi); Avoca (8 mi), each with its own Census population profile.
• Within a 50-mile radius: 80 smaller Census places.
• Within 100 miles: 50 places are larger than Bath.

The anatomy of a Bath personal loan

With roughly 5,539 residents, Bath is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Bath's rank of 158th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Bath loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Bath

For Bath's roughly 5,539 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's New York licence with the regulator listed on this page.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Bath-specific: the same New York licensing and disclosure rules reach all 5,539 residents.

New York rules behind a Bath personal loan

These are New York's sourced lending facts as they reach Bath's 5,539 residents; the state has no city-level rate rule.

What is available to Bath borrowers

At roughly 1,746 people per square mile, Bath is moderately settled; 8 larger places lie within 50 miles. Whether Bath has a local branch or not, a New York-licensed lender can serve its 5,539 people online on the same terms. The nearest bigger place is Hornell, NY about 18 miles away.

Bath's place among New York's 595 places

Set beside New York's 595 places, Bath ranks 158th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Bath ranks 259th of 595 in New York (about the 56th percentile). Its roughly 1,746 residents per square mile place it 250th among New York's places. By land area, its 3.2 square miles rank 118th of 595 places in New York.