Personal loans in Jamestown, NY

What the Census records for Jamestown

What follows is Jamestown's place in the Census record, alongside the New York rules that govern a personal loan made here.

• Population: 27,965 — Jamestown ranks 30th of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 2.6%.
• People gained or lost: about 735 fewer since the 2020 base.
• Size percentile: with 27,965 residents, Jamestown is larger than about 95% of New York's Census places.
• Density: the Census land area of 8.9 sq mi holds about 3,142 people per square mile.
• Land area: Jamestown covers 8.9 square miles, the 24th-largest area among New York's 595 places.
• Water area: Jamestown has 0.15 square miles of water, ranking 117th of 595 places in New York.
• State share: roughly 0.2% of New York's residents live in Jamestown (27,965 people).
• National rank: Jamestown is the 1,402nd most populous of the 19,457 Census places covered here.
• Growth rank: Jamestown's 2020-to-2023 change ranks 502nd of 595 places in New York.
• Versus New York: the state average change is -1.1%, while Jamestown moved 2.6%.
• Density rank: Jamestown is the 133rd most densely settled place in New York.
• Against the state median: Jamestown runs about 3,142 residents per square mile, where the New York median is 1,515.
• Location: the Census Gazetteer records it at 42.0976, -79.2361.
• Nearest larger cities: Erie (43 mi); Buffalo (58 mi); North Tonawanda (68 mi); Niagara Falls (70 mi); Youngstown (100 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Celoron (2 mi); Falconer (2 mi); Lakewood (4 mi), each with its own Census population profile.
• Smaller places within 50 miles: 63 of them.
• Within 100 miles: 4 places are larger than Jamestown.

The New York lending rules that reach Jamestown

Read the table as a lender's compliance picture for Jamestown: the rule, the sourced figure, the publisher and the date.

Jamestown: area, density and distance

Inside Jamestown's boundaries lie roughly 8.9 square miles of land and 0.15 square miles of water. With 27,965 residents, the land area yields roughly 3,142 people per square mile. New York, the largest place in New York, is about 292 miles from Jamestown. Counting outward 50 miles, 1 larger communities surround Jamestown. Within the same 50 miles lie 63 smaller Census places.

Jamestown's place among New York's 595 places

Jamestown is the 30th-largest of 595 Census places in New York and contains about 0.2% of the state's people. Its 2020-to-2023 change ranks 502nd of 595 New York places, putting it near the 16th percentile for growth. By density, at about 3,142 people per square mile, it ranks 133rd in New York. Between 2020 and 2023 the count changed by roughly 735 residents.

What is available to Jamestown borrowers

Jamestown is fairly dense, with about 3,142 people per square mile and 1 larger places within 50 miles. What is available to Jamestown's 27,965 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest larger city, Erie, PA about 43 miles away.

Inside a Jamestown personal loan

Jamestown is a smaller city of about 27,965 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Jamestown's rank of 30th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Jamestown loan but raises total interest, so the smallest payment is not the cheapest loan.