Personal loans in Cohoes, NY

Cohoes by the numbers

Set out below is Cohoes's local context next to the state-level rules that reach every lender here.

• Population: 18,206 — Cohoes ranks 47th of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 0.4%.
• People gained or lost: about 64 more since the 2020 base.
• Size percentile: bigger than about 92% of the places in New York, with 18,206 residents in Cohoes.
• Land and density: 3.8 square miles of land carry roughly 4,825 residents per square mile.
• By land area: Cohoes ranks 93rd among New York's 595 places, at 3.8 sq mi.
• Water area: Cohoes has 0.46 square miles of water, ranking 63rd of 595 places in New York.
• State population share: Cohoes accounts for about 0.1% of everyone in New York.
• Nationally: Cohoes is the 2,043rd-largest of 19,457 Census places in the dataset.
• Growth in New York: Cohoes stands 75th by percentage change from 2020 to 2023, among 595 places.
• Versus New York: the state average change is -1.1%, while Cohoes moved 0.4%.
• Density rank: Cohoes is the 72nd most densely settled place in New York.
• Density vs New York: Cohoes's 4,825 people per square mile compare with a state median of 1,515.
• Location: the Census Gazetteer records it at 42.7729, -73.7078.
• Nearest larger cities: Troy (3 mi); Albany (9 mi); Schenectady (11 mi); Saratoga Springs (21 mi); Pittsfield (32 mi). Lenders licensed in the state serve Cohoes whether or not they keep a local branch.
• Nearest smaller places: Green Island (2 mi); Waterford (2 mi); Watervliet (3 mi).
• Smaller places within 50 miles: 72 of them.
• Larger places within 100 miles: 31.

What a Cohoes borrower is actually offered

Cohoes is a small town of about 18,206 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 Cohoes's rank of 47th 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 Cohoes loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Cohoes on the map

The Census Gazetteer records 3.8 square miles of land and 0.46 square miles of water within Cohoes. That land carries about 4,825 people per square mile. For the state's biggest city, New York, the distance is roughly 146 miles. Cohoes has 5 larger places within a 50-mile radius. The 100-mile radius contains 31 larger places.

Steps to take before a Cohoes loan

Before you apply in Cohoes, a community of about 18,206, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the New York licence with the regulator named above before committing.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

In Cohoes as elsewhere in New York, the written terms — not the advertisement — are what count for its 18,206 residents.

How Cohoes compares across New York

Within New York, Cohoes holds roughly 0.1% of all residents, the 47th-largest share among 595 places. Its 2020-to-2023 change ranks 75th of 595 New York places, putting it near the 87th percentile for growth. At about 4,825 people per square mile, Cohoes is the 72nd most densely settled place in New York. Between 2020 and 2023 the count changed by roughly 64 residents.

The state rulebook for Cohoes

New York has no separate rate rule for Cohoes; the sourced rows below are what reach every lender that serves its 18,206 people.