Personal loans in Derby Center, VT

Derby Center, Vermont — home to about 634 people — is a small community, so the terms you are offered follow Vermont law rather than any local rule. Derby Center lost roughly 2.3% of its population across the 2020-to-2023 comparison. Verify the lender's Vermont licence against the regulator named below before borrowing in Derby Center. The closest larger place is Derby Line, VT about 3 miles away.

Derby Center by the numbers

What follows is Derby Center's place in the Census record, alongside the Vermont rules that govern a personal loan made here.

• Population: 634 residents; Derby Center is the 26th-largest of 40 places in Vermont (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.3% from 2020 to 2023.
• Absolute change: 15 residents lost between 2020 and 2023.
• Size percentile: roughly 35% of Vermont's places have fewer residents than Derby Center's 634.
• Density: the Census land area of 1.4 sq mi holds about 455 people per square mile.
• By land area: Derby Center ranks 19th among Vermont's 40 places, at 1.4 sq mi.
• Within Vermont: about 0.4% of the state's population lives in Derby Center.
• National rank: Derby Center sits 12,207th by population among the 19,457 places in this dataset.
• Growth rank: Derby Center's 2020-to-2023 change ranks 34th of 40 places in Vermont.
• Against the state trend: Derby Center's 2.3% change compares with a Vermont average of -0.1% across its 40 places.
• Density rank: Derby Center is the 29th most densely settled place in Vermont.
• Density vs Vermont: Derby Center's 455 people per square mile compare with a state median of 874.
• Location: 44.9546 / -72.1362, per the US Census Bureau Gazetteer.
• Nearest larger cities: Derby Line (3 mi); Newport (4 mi); Orleans (11 mi); Barton (14 mi); Lyndonville (30 mi). Larger metros often have more branches, but online lenders reach Derby Center on the same terms.
• Smaller communities within reach: North Troy (13 mi); Albany (20 mi); West Burke (23 mi).
• Within a 50-mile radius: 6 smaller Census places.
• At 100 miles: 26 larger Census places fall inside that radius.

What is available to Derby Center borrowers

Derby Center is a lightly settled community of about 634 people, with 11 larger places inside a 50-mile radius. A Vermont licence lets a lender serve Derby Center without a local office, so branch density does not change what its 634 residents are offered. The nearest bigger place is Derby Line, VT about 3 miles away.

How personal loans work in Derby Center

A Derby Center personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 634 residents. Because pricing is borrower-level, two people in Derby Center can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Derby Center loan but raises total interest, so the smallest payment is not the cheapest loan.

Land, water and location for Derby Center

The Census Gazetteer records about 1.4 square miles of land within Derby Center, with no significant water area listed. That land carries about 455 people per square mile. The largest place in Vermont, Burlington, lies about 63 miles away. Within 50 miles of Derby Center there are 11 larger Census places. By land area it ranks 19th of 40 Vermont places.

How Vermont law applies in Derby Center

These are Vermont's sourced lending facts as they reach Derby Center's 634 residents; the state has no city-level rate rule.

Where Derby Center sits in Vermont

Derby Center is the 26th-largest of 40 Census places in Vermont and contains about 0.4% of the state's people. On the 2020-to-2023 trend, Derby Center stands 34th among Vermont's 40 places — roughly the 15th percentile. Its roughly 455 residents per square mile place it 29th among Vermont's places. The population moved by about 15 people between 2020 and 2023, a 2.3% shift.