Personal loans in Ely, NV

Verify the lender's Nevada licence against the regulator named below before borrowing in Ely. Consumer lending that reaches Ely's 3,907 residents is governed by Nevada statute; no city ordinance changes it. The trend for Ely between 2020 and 2023 is downward by roughly 0.5%. The closest larger city is West Wendover, NV about 110 miles away.

The Ely data picture

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

• Population: 3,907 — Ely ranks 14th of 19 communities in Nevada (US Census Bureau, Vintage 2023).
• Population trend: Down about 0.5% from the 2020 Census base to the 2023 estimate.
• Absolute change: 19 residents lost between 2020 and 2023.
• Size percentile: with 3,907 residents, Ely is larger than about 26% of Nevada's Census places.
• Population density: 512 people per square mile on 7.6 square miles of land.
• By land area: Ely ranks 15th among Nevada's 19 places, at 7.6 sq mi.
• Share of Nevada: Ely holds about 0.2% of the state's population, some 3,907 people.
• National rank: Ely is 5,503rd of 19,457 places nationwide.
• Growth in Nevada: Ely stands 15th by percentage change from 2020 to 2023, among 19 places.
• Versus Nevada: the state average change is +2.2%, while Ely moved 0.5%.
• Density in Nevada: Ely ranks 12th by people per square mile.
• Density in context: Ely's 512 people per square mile sit against a Nevada median of 717.
• Location: 39.2649, -114.8709 (US Census Bureau Gazetteer).
• Nearest larger cities: West Wendover (110 mi); Elko (119 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Wendover (110 mi); Caliente (114 mi); Milford (117 mi), each with its own Census population profile.
• Smaller neighbours: 0 places smaller than Ely sit within 50 miles.
• Larger places within 100 miles: 0.

How Ely compares across Nevada

Within Nevada, Ely holds roughly 0.2% of all residents, the 14th-largest share among 19 places. On the 2020-to-2023 trend, Ely stands 15th among Nevada's 19 places — roughly the 21th percentile. At about 512 people per square mile, Ely is the 12th most densely settled place in Nevada. The population moved by about 19 people between 2020 and 2023, a 0.5% shift.

Ely: area, density and distance

Inside Ely's boundaries lie about 7.6 square miles of land, with no significant water area recorded. The resulting density is about 512 people per square mile. Las Vegas, the largest place in Nevada, is about 211 miles from Ely. A 50-mile radius around Ely takes in 0 places that are larger. Within the same 50 miles lie 0 smaller Census places.

How personal loans work in Ely

With roughly 3,907 residents, Ely is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Ely lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Ely loan but raises total interest, so the smallest payment is not the cheapest loan.

What Nevada law requires in Ely

Every row below records a Nevada rule, its publisher and its retrieval date — the same rules a Ely lender must follow.

A practical checklist for Ely borrowers

Before you apply in Ely, a community of about 3,907, work through these steps:

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 Nevada licence with the regulator listed on this page.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Ely as elsewhere in Nevada, the written terms — not the advertisement — are what count for its 3,907 residents.