Personal loans in Madison, NY

Borrowing in Madison: the local picture

Set out below is Madison's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 312 residents in Madison (Vintage 2023 subcounty estimate), the 566th-largest figure among New York's 595 places.
• Population trend: Roughly 1.9% fewer residents than the 2020 Census counted.
• Absolute change: 6 residents lost between 2020 and 2023.
• Size percentile: Madison sits ahead of around 5% of New York places, at 312 people.
• Population density: about 654 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Madison covers 0.5 square miles, the 535th-largest area among New York's 595 places.
• Share of New York: Madison holds about 0.0% of the state's population, some 312 people.
• Nationally: Madison is the 14,986th-largest of 19,457 Census places in the dataset.
• Growth rank: Madison ranks 393rd among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Madison moved 1.9%.
• Density rank: Madison is the 491st most densely settled place in New York.
• Density in context: Madison's 654 people per square mile sit against a New York median of 1,515.
• Location: 42.8977 / -75.5123, per the US Census Bureau Gazetteer.
• Nearest larger cities: Oriskany Falls (4 mi); Hamilton (5 mi); Munnsville (7 mi); Morrisville (7 mi); Waterville (7 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Smyrna (15 mi); Laurens (33 mi); Cold Brook (34 mi).
• Smaller places within 50 miles: 6 of them.
• Within 100 miles: 284 places are larger than Madison.

What New York law requires in Madison

For the roughly 312 residents of Madison, the rules below are New York's own; each row carries its publisher and retrieval date.

Before you apply in Madison

These steps shape the offer you get in Madison, a place of about 312 people:

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. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a New York licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across New York; what changes is your credit file, not the fact that Madison holds 312 people.

Madison's place among New York's 595 places

Madison is the 566th-largest of 595 Census places in New York and contains about 0.0% of the state's people. For population change between 2020 and 2023, Madison ranks 393rd of 595 in New York (about the 34th percentile). At about 654 people per square mile, Madison is the 491st most densely settled place in New York. In land area, Madison ranks 535th among New York's 595 places.

Madison on the map

Inside Madison's boundaries lie about 0.5 square miles of land, with no significant water area recorded. Spread across it are roughly 654 residents per square mile. The largest place in New York, New York, lies about 174 miles away. Within 50 miles of Madison there are 92 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Borrowing reach in Madison

With about 654 residents per square mile, Madison is moderately settled, and 92 larger Census places sit within 50 miles. Distance to a branch rarely matters for Madison's 312 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Oriskany Falls, NY about 4 miles away.