Personal loans in Delevan, NY
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Delevan's 1,032 residents. The roughly 1,032 people who live in Delevan borrow under New York rules; city hall sets no personal-loan rate.
About 1,032 people live in Delevan, placing it 411th of 595 Census places in New York. Delevan lost roughly 2.6% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Delevan residents before they take on more. The nearest larger metro is Arcade, NY about 3 miles away.
Where Delevan stands
Here is the sourced Census picture for Delevan, plus the New York lending rules that apply to a loan taken out here.
- Population: about 1,032, ranked 411th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
- Absolute change: 28 residents lost between 2020 and 2023.
- Size percentile: roughly 31% of New York places rank below Delevan.
- Population density: 1,038 people per square mile on 1.0 square miles of land.
- Land area: Delevan covers 1.0 square miles, the 411th-largest area among New York's 595 places.
- Within New York: about 0.0% of the state's population lives in Delevan.
- National rank: Delevan is 10,089th of 19,457 places nationwide.
- Growth rank: Delevan ranks 512th among New York's 595 places for the 2020-to-2023 change.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Delevan's 2.6%.
- Density rank: Delevan is the 395th most densely settled place in New York.
- Density vs New York: Delevan's 1,038 people per square mile compare with a state median of 1,515.
- Location: the Census Gazetteer records it at 42.4913, -78.4796.
- Nearest larger cities: Arcade (3 mi); Springville (10 mi); Franklinville (11 mi); East Aurora (20 mi); Cuba (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Ellicottville (18 mi); Gainesville (20 mi); Cattaraugus (23 mi).
- Smaller places within 50 miles: 28 of them.
- At 100 miles: 139 larger Census places fall inside that radius.
What New York law requires in Delevan
Every row below records a New York rule, its publisher and its retrieval date — the same rules a Delevan lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) as of 2026-09-16 |
Where Delevan sits in New York
Set beside New York's 595 places, Delevan ranks 411th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Delevan stands 512th among New York's 595 places — roughly the 14th percentile. By density, at about 1,038 people per square mile, it ranks 395th in New York. The population moved by about 28 people between 2020 and 2023, a 2.6% shift.
What to do before borrowing in Delevan
Before you hand your details to a lender in Delevan, where the population is near 1,032:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the New York regulator's licence list.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
None of these steps is Delevan-specific: the same New York licensing and disclosure rules reach all 1,032 residents.
Delevan on the map
Inside Delevan's boundaries lie about 1.0 square miles of land, with no significant water area recorded. Spread across it are roughly 1,038 residents per square mile. New York, the largest place in New York, is about 266 miles from Delevan. A 50-mile radius around Delevan takes in 59 places that are larger. The 100-mile radius contains 139 larger places.
Borrowing reach in Delevan
At roughly 1,038 people per square mile, Delevan is moderately settled; 59 larger places lie within 50 miles. Distance to a branch rarely matters for Delevan's 1,032 residents: the application is online and the price follows your credit file. The nearest bigger place is Arcade, NY about 3 miles away.
Common questions
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Nearby places
- Arcade, NY — population 1,925
- Franklinville, NY — population 1,652
- Springville, NY — population 4,155
- Ellicottville, NY — population 284
- East Aurora, NY — population 5,951
- Cuba, NY — population 1,523
- Gainesville, NY — population 224
- Orchard Park, NY — population 3,041