Personal loans in Cortland, NY

With 17,276 residents, Cortland outranks about 92% of the communities in New York. The nearest larger city is Ithaca, NY about 20 miles away. For the 17,276 people in Cortland, New York runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Cortland's 17,276 residents.

Cortland: population, trend and location

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

• Population: 17,276 people, a figure that places Cortland 50th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 1.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 280 residents.
• Size percentile: about 92% of New York communities are smaller than Cortland (17,276 residents).
• Density: roughly 4,437 residents per square mile, spread over 3.9 sq mi of land.
• Land area rank: Cortland's 3.9 square miles rank 85th of 595 places in New York.
• Water: Cortland holds about 0.02 square miles, the 260th-largest water area in New York.
• State population share: Cortland accounts for about 0.1% of everyone in New York.
• National standing: Cortland ranks 2,125th of 19,457 US places.
• Growth in New York: Cortland stands 319th by percentage change from 2020 to 2023, among 595 places.
• Against the state trend: Cortland's 1.6% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Cortland places 84th among New York's places by people per square mile.
• Density vs New York: Cortland's 4,437 people per square mile compare with a state median of 1,515.
• Location: 42.6009 / -76.1791, per the US Census Bureau Gazetteer.
• Nearest larger cities: Ithaca (20 mi); Auburn (30 mi); Syracuse (30 mi); Binghamton (37 mi); Elmira (48 mi). Lenders licensed in the state serve Cortland whether or not they keep a local branch.
• Smaller towns nearby: Homer (3 mi); McGraw (4 mi); Groton (9 mi).
• Smaller places within 50 miles: 100 of them.
• At 100 miles: 11 larger Census places fall inside that radius.

What New York law requires in Cortland

Below are the New York rules that apply to a loan made in Cortland, each with the regulator that issued it.

Cortland on the map

Cortland's land area is about 3.9 square miles; a further 0.02 square miles is water. That land carries about 4,437 people per square mile. New York, the largest place in New York, is about 177 miles from Cortland. Counting outward 50 miles, 5 larger communities surround Cortland. By land area it ranks 85th of 595 New York places.

The anatomy of a Cortland personal loan

In Cortland, a small town of about 17,276, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Cortland's rank of 50th 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 Cortland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Cortland

Cortland is a fairly dense community of about 17,276 people, with 5 larger places inside a 50-mile radius. Lenders licensed in New York reach Cortland's 17,276 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Ithaca, NY about 20 miles away.

Cortland against the rest of New York

Cortland is the 50th-largest of 595 Census places in New York and contains about 0.1% of the state's people. For population change between 2020 and 2023, Cortland ranks 319th of 595 in New York (about the 46th percentile). Its roughly 4,437 residents per square mile place it 84th among New York's places. The population moved by about 280 people between 2020 and 2023, a 1.6% shift.