Personal loans in Elba, NY

Where Elba stands

Set out below is Elba's local context next to the state-level rules that reach every lender here.

• Population: 590 residents; Elba is the 500th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.2% from 2020 to 2023.
• People gained or lost: about 13 fewer since the 2020 base.
• Size percentile: Elba's 590 people outrank roughly 16% of the places in New York.
• Population density: about 580 people per square mile (Census land area 1.0 sq mi).
• Land area: Elba covers 1.0 square miles, the 396th-largest area among New York's 595 places.
• Share of New York: Elba holds about 0.0% of the state's population, some 590 people.
• Nationally: Elba is the 12,506th-largest of 19,457 Census places in the dataset.
• Growth rank: Elba ranks 440th among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Elba moved 2.2%.
• Density in New York: Elba ranks 508th by people per square mile.
• Density in context: Elba's 580 people per square mile sit against a New York median of 1,515.
• Location: 43.0768 / -78.1889, per the US Census Bureau Gazetteer.
• Nearest larger cities: Oakfield (4 mi); Batavia (5 mi); Albion (12 mi); Le Roy (12 mi); Bergen (12 mi). Larger metros often have more branches, but online lenders reach Elba on the same terms.
• Smaller communities close by: Alexander (13 mi); Wyoming (18 mi); Barker (25 mi), each with its own Census population profile.
• Within a 50-mile radius: 6 smaller Census places.
• At 100 miles: 160 larger Census places fall inside that radius.

Elba: area, density and distance

Elba covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 580 people per square mile. New York, the largest place in New York, is about 275 miles from Elba. Counting outward 50 miles, 64 larger communities surround Elba. By land area it ranks 396th of 595 New York places.

How lenders reach Elba

At roughly 580 people per square mile, Elba is moderately settled; 64 larger places lie within 50 miles. A New York licence lets a lender serve Elba without a local office, so branch density does not change what its 590 residents are offered. The nearest bigger place is Oakfield, NY about 4 miles away.

What a Elba borrower is actually offered

With roughly 590 residents, Elba is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Elba. Because the payment is fixed, the total cost of a Elba loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Elba

Read the table as a lender's compliance picture for Elba: the rule, the sourced figure, the publisher and the date.

Elba in state context

Against New York's other places, Elba accounts for about 0.0% of the state's population and ranks 500th of 595 by size. On the 2020-to-2023 trend, Elba stands 440th among New York's 595 places — roughly the 26th percentile. By density, at about 580 people per square mile, it ranks 508th in New York. By land area, its 1.0 square miles rank 396th of 595 places in New York.