Personal loans in Candor, NY

The roughly 761 people who live in Candor borrow under New York rules; city hall sets no personal-loan rate. Compare APR, not the interest rate, because the APR folds in most fees on a Candor loan. State law, not city hall, decides what a lender may do to Candor's roughly 761 residents, and a state regulator supervises it. The next larger city is Newark Valley, NY about 8 miles away.

The Candor data picture

Here is the sourced Census picture for Candor, plus the New York lending rules that apply to a loan taken out here.

• Population: an estimated 761 residents, 465th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 3.3% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 26 residents.
• Size percentile: about 22% of New York communities are smaller than Candor (761 residents).
• Population density: about 1,745 people per square mile (Census land area 0.4 sq mi).
• Land area: Candor covers 0.4 square miles, the 546th-largest area among New York's 595 places.
• Share of New York: Candor holds about 0.0% of the state's population, some 761 people.
• National rank: Candor is 11,402nd of 19,457 places nationwide.
• Growth rank: Candor ranks 549th among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Candor moved 3.3%.
• Density rank: Candor places 251st among New York's places by people per square mile.
• Density in context: Candor's 1,745 people per square mile sit against a New York median of 1,515.
• Location: the Census Gazetteer records it at 42.2284, -76.3367.
• Nearest larger cities: Newark Valley (8 mi); Owego (9 mi); Endicott (17 mi); Ithaca (17 mi); Waverly (18 mi). Larger metros often have more branches, but online lenders reach Candor on the same terms.
• Nearest smaller towns: Spencer (8 mi); Nichols (15 mi); Lisle (19 mi).
• Within a 50-mile radius: 39 smaller Census places.
• Larger places within 100 miles: 272.

How personal loans work in Candor

Candor is a small community of about 761 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Candor's rank of 465th 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 Candor loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Candor

Candor covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 761 residents, the land area yields roughly 1,745 people per square mile. The state's population centre of gravity, New York, is roughly 165 miles away. Candor has 52 larger places within a 50-mile radius. The 100-mile radius contains 272 larger places.

The New York lending rules that reach Candor

For the roughly 761 residents of Candor, the rules below are New York's own; each row carries its publisher and retrieval date.

Candor in state context

Candor is the 465th-largest of 595 Census places in New York and contains about 0.0% of the state's people. For population change between 2020 and 2023, Candor ranks 549th of 595 in New York (about the 8th percentile). Its roughly 1,745 residents per square mile place it 251st among New York's places. The population moved by about 26 people between 2020 and 2023, a 3.3% shift.

Lender access in Candor

Candor is a moderately settled community of about 761 people, with 52 larger places inside a 50-mile radius. Lenders licensed in New York reach Candor's 761 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Newark Valley, NY about 8 miles away.