Personal loans in Montpelier, VT

Where Montpelier stands

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

• Population: about 7,991, ranked 7th of 40 places in Vermont (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.2% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 93 residents.
• Size percentile: bigger than about 82% of the places in Vermont, with 7,991 residents in Montpelier.
• Population density: 795 people per square mile on 10.1 square miles of land.
• Land area: Montpelier covers 10.1 square miles, the 3rd-largest area among Vermont's 40 places.
• Water area rank: Montpelier ranks 4th among Vermont's 40 places, with 0.20 sq mi.
• Share of state population: Montpelier's 7,991 residents are about 5.1% of Vermont.
• National standing: Montpelier ranks 3,690th of 19,457 US places.
• Growth rank: Montpelier's 2020-to-2023 change ranks 27th of 40 places in Vermont.
• Versus Vermont: the state average change is -0.1%, while Montpelier moved 1.2%.
• Density in Vermont: Montpelier ranks 22nd by people per square mile.
• Against the state median: Montpelier runs about 795 residents per square mile, where the Vermont median is 874.
• Location: the Census Gazetteer records it at 44.2664, -72.5715.
• Nearest larger cities: Barre (6 mi); Essex Junction (31 mi); South Burlington (32 mi); Winooski (34 mi); Burlington (36 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Marshfield (13 mi); Morrisville (20 mi); Hyde Park (23 mi).
• Smaller neighbours: 18 places smaller than Montpelier sit within 50 miles.
• Larger places within 100 miles: 15.

Before you apply in Montpelier

For Montpelier's roughly 7,991 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Vermont regulator's records to confirm the lender is licensed here.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Montpelier and the rest of Vermont is not the process but the borrower's own file, among the 7,991 people here.

Land, water and location for Montpelier

Inside Montpelier's boundaries lie roughly 10.1 square miles of land and 0.20 square miles of water. The resulting density is about 795 people per square mile. Burlington, the largest place in Vermont, is about 36 miles from Montpelier. A 50-mile radius around Montpelier takes in 7 places that are larger. The 100-mile radius contains 15 larger places.

Borrowing reach in Montpelier

Montpelier is a moderately settled community of about 7,991 people, with 7 larger places inside a 50-mile radius. Lenders licensed in Vermont reach Montpelier's 7,991 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Barre, VT about 6 miles away.

The state rulebook for Montpelier

For the roughly 7,991 residents of Montpelier, the rules below are Vermont's own; each row carries its publisher and retrieval date.

Montpelier in state context

Montpelier is the 7th-largest of 40 Census places in Vermont and contains about 5.1% of the state's people. On the 2020-to-2023 trend, Montpelier stands 27th among Vermont's 40 places — roughly the 32th percentile. Its roughly 795 residents per square mile place it 22nd among Vermont's places. The population moved by about 93 people between 2020 and 2023, a 1.2% shift.