Personal loans in Gouverneur, NY

Gouverneur by the numbers

Gouverneur is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 3,617 people live here, which puts Gouverneur 211th of 595 Census places in New York (Vintage 2023).
• Population trend: A decline of about 0.1% across the 2020-to-2023 comparison.
• Net change: roughly 5 fewer people than the 2020 Census counted.
• Size percentile: with 3,617 residents, Gouverneur is larger than about 65% of New York's Census places.
• Population density: about 1,650 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Gouverneur ranks 187th among New York's 595 places, at 2.2 sq mi.
• Water area: Gouverneur has 0.09 square miles of water, ranking 149th of 595 places in New York.
• State share: roughly 0.0% of New York's residents live in Gouverneur (3,617 people).
• Nationally: Gouverneur is the 5,733rd-largest of 19,457 Census places in the dataset.
• Growth rank: Gouverneur's 2020-to-2023 change ranks 109th of 595 places in New York.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Gouverneur's 0.1%.
• Density rank: Gouverneur is the 272nd most densely settled place in New York.
• Density in context: Gouverneur's 1,650 people per square mile sit against a New York median of 1,515.
• Location: latitude 44.3366, longitude -75.4660 (Census Gazetteer).
• Nearest larger cities: Canton (23 mi); Ogdensburg (26 mi); Potsdam (33 mi); Watertown (33 mi); Massena (50 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Richville (7 mi); Antwerp (12 mi); Hammond (14 mi).
• Smaller neighbours: 29 places smaller than Gouverneur sit within 50 miles.
• Within 100 miles: 24 places are larger than Gouverneur.

Where Gouverneur sits in New York

Gouverneur is the 211th-largest of 595 Census places in New York and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Gouverneur stands 109th among New York's 595 places — roughly the 82th percentile. At about 1,650 people per square mile, Gouverneur is the 272nd most densely settled place in New York. In land area, Gouverneur ranks 187th among New York's 595 places.

The New York lending rules that reach Gouverneur

For the roughly 3,617 residents of Gouverneur, the rules below are New York's own; each row carries its publisher and retrieval date.

Where Gouverneur sits

The Census Gazetteer records 2.2 square miles of land and 0.09 square miles of water within Gouverneur. Spread across it are roughly 1,650 residents per square mile. The largest place in New York, New York, lies about 265 miles away. Counting outward 50 miles, 5 larger communities surround Gouverneur. Within the same 50 miles lie 29 smaller Census places.

Lender access in Gouverneur

Gouverneur is moderately settled, with about 1,650 people per square mile and 5 larger places within 50 miles. What is available to Gouverneur's 3,617 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Canton, NY about 23 miles away.

What to do before borrowing in Gouverneur

Complete these steps first when you borrow in Gouverneur (3,617 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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 New York licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across New York; what changes is your credit file, not the fact that Gouverneur holds 3,617 people.