Personal loans in Fenwick, CT
The roughly 43 people who live in Fenwick borrow under Connecticut rules; city hall sets no personal-loan rate. Census figures show Fenwick holding steady across 2020 to 2023.
Fenwick is one of 29 Census places in Connecticut; its 43 residents put it at 29th. Judge Fenwick offers on total cost, not on how quickly the money arrives. A single loan can carry different costs on either side of a state line, and Fenwick sits on the Connecticut side of that line. For a bigger market, look to Greenport, NY about 12 miles away.
Fenwick: the sourced local profile
Fenwick is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 43 residents in Fenwick (Vintage 2023 subcounty estimate), the 29th-largest figure among Connecticut's 29 places.
- Population trend: Steady across the 2020-to-2023 comparison.
- Size percentile: roughly 0% of Connecticut places rank below Fenwick.
- Population density: 110 people per square mile on 0.4 square miles of land.
- Land area rank: Fenwick's 0.4 square miles rank 27th of 29 places in Connecticut.
- Within Connecticut: about 0.0% of the state's population lives in Fenwick.
- National rank: Fenwick is 19,063rd of 19,457 places nationwide.
- Growth rank: Fenwick's 2020-to-2023 change ranks 20th of 29 places in Connecticut.
- Versus Connecticut: the state average change is +2.5%, while Fenwick moved 0.0%.
- Density rank: Fenwick places 29th among Connecticut's places by people per square mile.
- Density in context: Fenwick's 110 people per square mile sit against a Connecticut median of 2,915.
- Location: 41.2711, -72.3546 (US Census Bureau Gazetteer).
- Nearest larger cities: Greenport (12 mi); New London (14 mi); Groton (15 mi); North Haven (17 mi); Groton Long Point (18 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Dering Harbor (12 mi).
- Smaller neighbours: 1 places smaller than Fenwick sit within 50 miles.
- Within 100 miles: 323 places are larger than Fenwick.
Connecticut consumer-lending rules applied in Fenwick
These are Connecticut's sourced lending facts as they reach Fenwick's 43 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Connecticut Department of Banking Source says: "The Department of Banking considers payday loan companies as unlicensed small loan lenders". | Connecticut Department of Banking as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum (consumer loans; statutory exceptions apply, e.g., banks, credit unions, small loan licensees) Source says: "charge, demand, accept or make any agreement to receive therefor interest at a rate greater than twelve per cent per annum". | Connecticut General Assembly — C.G.S. § 37-4 as of 2026-09-16 |
| Payday lending status | Not permitted — payday loans (small loans at more than 12% APR) are void and unenforceable unless made by exempt persons; licensed small loan companies may charge up to 36% APR Source says: "Connecticut Banking Law considers such loans as void and unenforceable"; "Small Loan licensees can charge up to 36% annual percentage rate (APR)". | Connecticut Department of Banking as of 2026-09-16 |
Fenwick against the rest of Connecticut
Against Connecticut's other places, Fenwick accounts for about 0.0% of the state's population and ranks 29th of 29 by size. On the 2020-to-2023 trend, Fenwick stands 20th among Connecticut's 29 places — roughly the 31th percentile. Its roughly 110 residents per square mile place it 29th among Connecticut's places. Within 50 miles sit 1 smaller Census places, alongside the 39 that are larger.
What is available to Fenwick borrowers
At roughly 110 people per square mile, Fenwick is lightly settled; 39 larger places lie within 50 miles. What is available to Fenwick's 43 borrowers is set by Connecticut licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Greenport, NY about 12 miles away.
Steps to take before a Fenwick loan
For Fenwick's roughly 43 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Connecticut regulator's licence records before you sign.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across Connecticut; what changes is your credit file, not the fact that Fenwick holds 43 people.
Fenwick: area, density and distance
Inside Fenwick's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 110 residents per square mile. For the state's biggest city, Bridgeport, the distance is roughly 44 miles. A 50-mile radius around Fenwick takes in 39 places that are larger. The 100-mile radius contains 323 larger places.
Common questions
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Nearby places
- Greenport, NY — population 2,561
- Dering Harbor, NY — population 35
- North Haven, NY — population 1,175
- New London, CT — population 27,560
- Sag Harbor, NY — population 2,785
- Groton, CT — population 9,302
- Groton Long Point, CT — population 517
- Sagaponack, NY — population 736