Personal loans in Fernley, NV

Fernley by the numbers

Fernley is a smaller city; the notes below cover its population profile and the statewide rules that apply.

• Population: 24,744 residents; Fernley is the 7th-largest of 19 places in Nevada (US Census Bureau, Vintage 2023).
• Population trend: Roughly 8.1% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 1,846 residents.
• Size percentile: with 24,744 residents, Fernley is larger than about 63% of Nevada's Census places.
• Population density: about 202 people per square mile across 122.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Fernley covers 122.7 square miles, the 4th-largest area among Nevada's 19 places.
• Water area rank: Fernley ranks 2nd among Nevada's 19 places, with 6.74 sq mi.
• State share: roughly 1.3% of Nevada's residents live in Fernley (24,744 people).
• National rank: Fernley is 1,583rd of 19,457 places nationwide.
• Growth rank: Fernley ranks 3rd among Nevada's 19 places for the 2020-to-2023 change.
• Versus Nevada: the state average change is +2.2%, while Fernley moved 8.1%.
• Density rank: Fernley places 14th among Nevada's places by people per square mile.
• Against the state median: Fernley runs about 202 residents per square mile, where the Nevada median is 717.
• Location: latitude 39.5648, longitude -119.1894 (Census Gazetteer).
• Nearest larger cities: Sparks (28 mi); Reno (35 mi); Carson (41 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Fallon (23 mi); Yerington (42 mi); Truckee (56 mi) — useful context for the surrounding area.
• Smaller neighbours: 2 places smaller than Fernley sit within 50 miles.
• At 100 miles: 3 larger Census places fall inside that radius.

Fernley on the map

Fernley covers about 122.7 square miles of land, with 6.74 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 202 people per square mile. Las Vegas, the largest place in Nevada, is about 314 miles from Fernley. Within 50 miles of Fernley there are 3 larger Census places. The 100-mile radius contains 3 larger places.

How Fernley compares across Nevada

Set beside Nevada's 19 places, Fernley ranks 7th by population and holds about 1.3% of the state total. Its 2020-to-2023 change ranks 3rd of 19 Nevada places, putting it near the 84th percentile for growth. At about 202 people per square mile, Fernley is the 14th most densely settled place in Nevada. Within 50 miles sit 2 smaller Census places, alongside the 3 that are larger.

Which Nevada laws govern a loan in Fernley

Nevada has no separate rate rule for Fernley; the sourced rows below are what reach every lender that serves its 24,744 people.

Lender access in Fernley

With about 202 residents per square mile, Fernley is lightly settled, and 3 larger Census places sit within 50 miles. Lenders licensed in Nevada reach Fernley's 24,744 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Sparks, NV about 28 miles away.

Inside a Fernley personal loan

Fernley is a smaller city of about 24,744 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Fernley can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Fernley loan is knowable in advance — unlike a revolving card balance.