Personal loans in Cold Spring, NY

Verify the lender's New York licence against the regulator named below before borrowing in Cold Spring. For the 1,993 people in Cold Spring, New York runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Cold Spring climbed about 0.2% over the three years from 2020 to 2023. The nearest larger metro is Cornwall-on-Hudson, NY about 3 miles away.

What the Census records for Cold Spring

Most of what governs a Cold Spring loan is written in New York law rather than in the city; the sourced notes below make that split concrete.

• Population: about 1,993, ranked 305th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 0.2% between 2020 and 2023.
• Absolute change: 4 residents added between 2020 and 2023.
• Size percentile: roughly 49% of New York places rank below Cold Spring.
• Population density: 3,355 people per square mile on 0.6 square miles of land.
• Land area rank: Cold Spring's 0.6 square miles rank 509th of 595 places in New York.
• State share: roughly 0.0% of New York's residents live in Cold Spring (1,993 people).
• National rank: Cold Spring sits 7,640th by population among the 19,457 places in this dataset.
• Growth in New York: Cold Spring stands 85th by percentage change from 2020 to 2023, among 595 places.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Cold Spring's 0.2%.
• Density in New York: Cold Spring ranks 121st by people per square mile.
• Density vs New York: Cold Spring's 3,355 people per square mile compare with a state median of 1,515.
• Location: 41.4192 / -73.9547, per the US Census Bureau Gazetteer.
• Nearest larger cities: Cornwall-on-Hudson (3 mi); Highland Falls (4 mi); Beacon (6 mi); Newburgh (7 mi); Fishkill (9 mi). Living near a larger metro rarely changes what is available in Cold Spring.
• Smaller places nearby: Nelsonville (1 mi); Tuxedo Park (20 mi); Hillburn (23 mi).
• Smaller neighbours: 41 places smaller than Cold Spring sit within 50 miles.
• Larger places within 100 miles: 438.

Getting a loan in Cold Spring

With about 3,355 residents per square mile, Cold Spring is fairly dense, and 223 larger Census places sit within 50 miles. Whether Cold Spring has a local branch or not, a New York-licensed lender can serve its 1,993 people online on the same terms. For a larger market, the closest option is Cornwall-on-Hudson, NY about 3 miles away.

How a Cold Spring personal loan is priced

Most loans made to Cold Spring's 1,993 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Cold Spring loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Cold Spring loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Cold Spring sits in New York

Cold Spring is the 305th-largest of 595 Census places in New York and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Cold Spring stands 85th among New York's 595 places — roughly the 86th percentile. By density, at about 3,355 people per square mile, it ranks 121st in New York. In land area, Cold Spring ranks 509th among New York's 595 places.

New York consumer-lending rules applied in Cold Spring

For the roughly 1,993 residents of Cold Spring, the rules below are New York's own; each row carries its publisher and retrieval date.

Where Cold Spring sits

The Census Gazetteer records about 0.6 square miles of land within Cold Spring, with no significant water area listed. The resulting density is about 3,355 people per square mile. The largest place in New York, New York, lies about 52 miles away. Cold Spring has 223 larger places within a 50-mile radius. The 100-mile radius contains 438 larger places.