Personal loans in Cuba, NY

Roughly 1,523 residents live in Cuba, the 357th-largest community in New York. Work out your debt-to-income ratio first; lenders weigh it heavily, and Cuba's 1,523 residents are no exception. Rate ceilings, licensing requirements and product limits for Cuba are all set at the New York level. A larger market lies at Franklinville, NY about 12 miles away.

The Cuba data picture

The figures below are Cuba's own — Census population, land area and coordinates — followed by the New York rules.

• Population: a Census-estimated 1,523, 357th among New York's 595 places (Vintage 2023).
• Population trend: A loss of roughly 1.2% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 18 residents.
• Size percentile: Cuba's 1,523 people outrank roughly 40% of the places in New York.
• Density: the Census land area of 1.2 sq mi holds about 1,252 people per square mile.
• Land area: Cuba covers 1.2 square miles, the 333rd-largest area among New York's 595 places.
• Share of New York: Cuba holds about 0.0% of the state's population, some 1,523 people.
• National rank: Cuba sits 8,638th by population among the 19,457 places in this dataset.
• Growth in New York: Cuba stands 240th by percentage change from 2020 to 2023, among 595 places.
• Against the state trend: Cuba's 1.2% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Cuba places 354th among New York's places by people per square mile.
• Density in context: Cuba's 1,252 people per square mile sit against a New York median of 1,515.
• Location: it lies at 42.2183, -78.2752 in the Census Gazetteer.
• Nearest larger cities: Franklinville (12 mi); Olean (12 mi); Allegany (14 mi); Wellsville (18 mi); Arcade (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Richburg (11 mi); Bolivar (12 mi); Belmont (13 mi).
• Smaller neighbours: 37 places smaller than Cuba sit within 50 miles.
• Within 100 miles: 136 places are larger than Cuba.

Cuba's place among New York's 595 places

Against New York's other places, Cuba accounts for about 0.0% of the state's population and ranks 357th of 595 by size. For population change between 2020 and 2023, Cuba ranks 240th of 595 in New York (about the 60th percentile). By density, at about 1,252 people per square mile, it ranks 354th in New York. By land area, its 1.2 square miles rank 333rd of 595 places in New York.

The Cuba borrowing checklist

A sensible order of operations for a loan in Cuba, home to about 1,523 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's New York licence with the regulator listed on this page.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Cuba as elsewhere in New York, the written terms — not the advertisement — are what count for its 1,523 residents.

What a Cuba borrower is actually offered

Cuba is a small community of about 1,523 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Cuba loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Cuba loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Cuba: area, density and distance

Cuba covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,252 residents per square mile. The state's population centre of gravity, New York, is roughly 249 miles away. A 50-mile radius around Cuba takes in 32 places that are larger. The 100-mile radius contains 136 larger places.

The New York lending rules that reach Cuba

For the roughly 1,523 residents of Cuba, the rules below are New York's own; each row carries its publisher and retrieval date.