Personal loans in Ellenville, NY

Borrowing in Ellenville: the local picture

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

• Population: about 4,174, ranked 189th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 1.3% from 2020 to 2023.
• People gained or lost: about 56 fewer since the 2020 base.
• Size percentile: with 4,174 residents, Ellenville is larger than about 68% of New York's Census places.
• Population density: 480 people per square mile on 8.7 square miles of land.
• Land area: Ellenville covers 8.7 square miles, the 25th-largest area among New York's 595 places.
• Water area rank: Ellenville ranks 148th among New York's 595 places, with 0.09 sq mi.
• Share of New York: Ellenville holds about 0.0% of the state's population, some 4,174 people.
• National rank: Ellenville is 5,345th of 19,457 places nationwide.
• Growth rank: Ellenville ranks 271st among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Ellenville moved 1.3%.
• Density in New York: Ellenville ranks 538th by people per square mile.
• Against the state median: Ellenville runs about 480 residents per square mile, where the New York median is 1,515.
• Location: coordinates 41.7047, -74.3622 (US Census Bureau Gazetteer).
• Nearest larger cities: Walden (13 mi); New Paltz (15 mi); Monticello (17 mi); Middletown (18 mi); Liberty (21 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Wurtsboro (11 mi); Woodridge (11 mi); Bloomingburg (11 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 52 of them.
• Larger places within 100 miles: 346.

A practical checklist for Ellenville borrowers

Before you hand your details to a lender in Ellenville, where the population is near 4,174:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the New York licence with the regulator named above before committing.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Ellenville and the rest of New York is not the process but the borrower's own file, among the 4,174 people here.

Borrowing reach in Ellenville

Ellenville is lightly settled, with about 480 people per square mile and 55 larger places within 50 miles. Lenders licensed in New York reach Ellenville's 4,174 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Walden, NY about 13 miles away.

Ellenville: area, density and distance

The Census Gazetteer records 8.7 square miles of land and 0.09 square miles of water within Ellenville. With 4,174 residents, the land area yields roughly 480 people per square mile. The state's population centre of gravity, New York, is roughly 75 miles away. A 50-mile radius around Ellenville takes in 55 places that are larger. By land area it ranks 25th of 595 New York places.

The state rulebook for Ellenville

When New York does not publish a figure, the row links to the source instead of inventing a number; Ellenville is bound by the same rules.

Inside a Ellenville personal loan

With roughly 4,174 residents, Ellenville 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 Ellenville. Because the payment is fixed, the total cost of a Ellenville loan is knowable in advance — unlike a revolving card balance.