Personal loans in Carthage, NY

With roughly 3,264 residents, Carthage is a small community, and the lending rules its borrowers live under are written in New York, not by the city. A single loan can carry different costs on either side of a state line, and Carthage sits on the New York side of that line. Verify the lender's New York licence against the regulator named below before borrowing in Carthage. The closest larger city is Lowville, NY about 15 miles away.

The Carthage data picture

Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.

• Population: about 3,264, ranked 220th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.3% from 2020 to 2023.
• Absolute change: 76 residents lost between 2020 and 2023.
• Size percentile: about 63% of New York's Census places are smaller than Carthage.
• Population density: about 1,346 people per square mile across 2.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Carthage's 2.4 square miles rank 161st of 595 places in New York.
• Water: Carthage holds about 0.16 square miles, the 116th-largest water area in New York.
• Share of New York: Carthage holds about 0.0% of the state's population, some 3,264 people.
• National standing: Carthage ranks 6,013th of 19,457 US places.
• Growth rank: Carthage ranks 458th among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Carthage moved 2.3%.
• Density in New York: Carthage ranks 332nd by people per square mile.
• Against the state median: Carthage runs about 1,346 residents per square mile, where the New York median is 1,515.
• Location: 43.9829, -75.6030 (Census Gazetteer coordinates).
• Nearest larger cities: Lowville (15 mi); Watertown (15 mi); Gouverneur (25 mi); Canton (48 mi); Ogdensburg (51 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: West Carthage (1 mi); Deferiet (5 mi); Copenhagen (7 mi).
• Smaller places within 50 miles: 37 of them.
• Larger places within 100 miles: 35.

Land, water and location for Carthage

Carthage's land area is about 2.4 square miles; a further 0.16 square miles is water. That land carries about 1,346 people per square mile. For the state's biggest city, New York, the distance is roughly 245 miles. Counting outward 50 miles, 4 larger communities surround Carthage. By land area it ranks 161st of 595 New York places.

Getting a loan in Carthage

Carthage is a moderately settled community of about 3,264 people, with 4 larger places inside a 50-mile radius. Whether Carthage has a local branch or not, a New York-licensed lender can serve its 3,264 people online on the same terms. The nearest larger city, Lowville, NY about 15 miles away.

How Carthage compares across New York

Against New York's other places, Carthage accounts for about 0.0% of the state's population and ranks 220th of 595 by size. For population change between 2020 and 2023, Carthage ranks 458th of 595 in New York (about the 23th percentile). By density, at about 1,346 people per square mile, it ranks 332nd in New York. By land area, its 2.4 square miles rank 161st of 595 places in New York.

What a Carthage borrower is actually offered

In Carthage, a small community of about 3,264, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Carthage can be quoted different APRs on the same amount and term. Shortening the term on a Carthage loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Carthage

For the roughly 3,264 residents of Carthage, the rules below are New York's own; each row carries its publisher and retrieval date.