Personal loans in Clayton, NY

Clayton by the numbers

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

• Population: the Census counts 1,701 residents in Clayton (Vintage 2023 subcounty estimate), the 332nd-largest figure among New York's 595 places.
• Population trend: A drop of about 2.3% from 2020 to 2023.
• People gained or lost: about 40 fewer since the 2020 base.
• Size percentile: Clayton's 1,701 people outrank roughly 44% of the places in New York.
• Population density: 1,062 people per square mile on 1.6 square miles of land.
• Land area: Clayton covers 1.6 square miles, the 260th-largest area among New York's 595 places.
• Water: Clayton holds about 0.97 square miles, the 35th-largest water area in New York.
• State share: roughly 0.0% of New York's residents live in Clayton (1,701 people).
• National rank: Clayton is 8,236th of 19,457 places nationwide.
• Growth rank: Clayton's 2020-to-2023 change ranks 462nd of 595 places in New York.
• Versus New York: the state average change is -1.1%, while Clayton moved 2.3%.
• Density in New York: Clayton ranks 388th by people per square mile.
• Density vs New York: Clayton's 1,062 people per square mile compare with a state median of 1,515.
• Location: 44.2375, -76.0827 (Census Gazetteer coordinates).
• Nearest larger cities: Watertown (20 mi); West Carthage (29 mi); Carthage (30 mi); Gouverneur (31 mi); Lowville (43 mi). Living near a larger metro rarely changes what is available in Clayton.
• Nearest smaller places: Alexandria Bay (10 mi); Chaumont (12 mi); Theresa (14 mi).
• Smaller places within 50 miles: 25 of them.
• At 100 miles: 51 larger Census places fall inside that radius.

The Clayton borrowing checklist

Before you hand your details to a lender in Clayton, where the population is near 1,701:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
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. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Clayton as elsewhere in New York, the written terms — not the advertisement — are what count for its 1,701 residents.

What shapes a Clayton personal loan

A Clayton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,701 residents. The APR tracks your credit score rather than Clayton's rank of 332nd in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Clayton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Clayton on the map

Inside Clayton's boundaries lie roughly 1.6 square miles of land and 0.97 square miles of water. With 1,701 residents, the land area yields roughly 1,062 people per square mile. New York, the largest place in New York, is about 270 miles from Clayton. Within 50 miles of Clayton there are 7 larger Census places. By land area it ranks 260th of 595 New York places.

Where Clayton sits in New York

Within New York, Clayton holds roughly 0.0% of all residents, the 332nd-largest share among 595 places. For population change between 2020 and 2023, Clayton ranks 462nd of 595 in New York (about the 22th percentile). At about 1,062 people per square mile, Clayton is the 388th most densely settled place in New York. The population moved by about 40 people between 2020 and 2023, a 2.3% shift.

The New York lending rules that reach Clayton

Read the table as a lender's compliance picture for Clayton: the rule, the sourced figure, the publisher and the date.