Personal loans in Middleburgh, NY

Middleburgh ranks 393rd of 595 places in New York, with a population near 1,164. If debt is already a strain, a nonprofit credit counsellor can help Middleburgh residents before they take on more. When New York caps or restricts a product, lenders either change the terms or withdraw it from Middleburgh as from the rest of the state. A larger market lies at Cobleskill, NY about 10 miles away.

Middleburgh: population, trend and location

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

• Population: 1,164 — Middleburgh ranks 393rd of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 2.0% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 23 residents.
• Size percentile: roughly 34% of New York's places have fewer residents than Middleburgh's 1,164.
• Population density: about 933 people per square mile (Census land area 1.2 sq mi).
• Land area: Middleburgh covers 1.2 square miles, the 330th-largest area among New York's 595 places.
• Within New York: about 0.0% of the state's population lives in Middleburgh.
• National rank: Middleburgh is 9,671st of 19,457 places nationwide.
• Growth in New York: Middleburgh stands 30th by percentage change from 2020 to 2023, among 595 places.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Middleburgh's 2.0%.
• Density rank: Middleburgh places 419th among New York's places by people per square mile.
• Density in context: Middleburgh's 933 people per square mile sit against a New York median of 1,515.
• Location: the Census Gazetteer records it at 42.5980, -74.3298.
• Nearest larger cities: Cobleskill (10 mi); Altamont (17 mi); Voorheesville (20 mi); Canajoharie (24 mi); Scotia (25 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Schoharie (5 mi); Esperance (12 mi); Richmondville (12 mi), each with its own Census population profile.
• Within a 50-mile radius: 37 smaller Census places.
• Larger places within 100 miles: 166.

The Middleburgh borrowing checklist

Before you hand your details to a lender in Middleburgh, where the population is near 1,164:

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. Line up several pre-qualified offers and let the APR decide.
4. Confirm the New York licence with the regulator named above before committing.
5. Decide the purpose and how you will repay it before approaching any lender.
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.

None of these steps is Middleburgh-specific: the same New York licensing and disclosure rules reach all 1,164 residents.

What is available to Middleburgh borrowers

Middleburgh is moderately settled, with about 933 people per square mile and 46 larger places within 50 miles. Lenders licensed in New York reach Middleburgh's 1,164 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cobleskill, NY about 10 miles away.

Middleburgh's place among New York's 595 places

Among New York's 595 places, Middleburgh sits at 393rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Middleburgh stands 30th among New York's 595 places — roughly the 95th percentile. By density, at about 933 people per square mile, it ranks 419th in New York. Between 2020 and 2023 the count changed by roughly 23 residents.

New York rules behind a Middleburgh personal loan

For the roughly 1,164 residents of Middleburgh, the rules below are New York's own; each row carries its publisher and retrieval date.

What a Middleburgh borrower is actually offered

With roughly 1,164 residents, Middleburgh is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Middleburgh's 1,164 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Middleburgh loan raises the monthly payment but cuts the interest; lengthening it does the reverse.