Personal loans in Nelsonville, NY
With roughly 630 residents, Nelsonville is a small community, and the lending rules its borrowers live under are written in New York, not by the city.
Nelsonville added about 1.3% to its population between the 2020 base and the 2023 estimate. Roughly 630 residents live in Nelsonville, the 490th-largest community in New York. Begin with the payment, then weigh APR and total interest across the lenders that reach Nelsonville's 630 residents. Every figure below is New York's own, applied to Nelsonville's 630 residents, with the publisher and retrieval date attached. The nearest larger city is Cold Spring, NY about 1 miles away.
Borrowing in Nelsonville: the local picture
The figures below are Nelsonville's own — Census population, land area and coordinates — followed by the New York rules.
- Population: about 630, ranked 490th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 1.3% between 2020 and 2023.
- Absolute change: 8 residents added between 2020 and 2023.
- Size percentile: roughly 18% of New York's places have fewer residents than Nelsonville's 630.
- Population density: 609 people per square mile on 1.0 square miles of land.
- Land area: Nelsonville covers 1.0 square miles, the 390th-largest area among New York's 595 places.
- State population share: Nelsonville accounts for about 0.0% of everyone in New York.
- Nationally: Nelsonville is the 12,233rd-largest of 19,457 Census places in the dataset.
- Growth rank: Nelsonville's 2020-to-2023 change ranks 45th of 595 places in New York.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Nelsonville's 1.3%.
- Density rank: Nelsonville is the 502nd most densely settled place in New York.
- Density vs New York: Nelsonville's 609 people per square mile compare with a state median of 1,515.
- Location: 41.4295, -73.9499 (Census Gazetteer coordinates).
- Nearest larger cities: Cold Spring (1 mi); Cornwall-on-Hudson (3 mi); Highland Falls (5 mi); Beacon (5 mi); Newburgh (6 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Tuxedo Park (21 mi); Grand View-on-Hudson (25 mi); Rockleigh (30 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Larger places within 100 miles: 552.
Nelsonville on the map
The Census Gazetteer records about 1.0 square miles of land within Nelsonville, with no significant water area listed. The resulting density is about 609 people per square mile. The state's population centre of gravity, New York, is roughly 53 miles away. Counting outward 50 miles, 251 larger communities surround Nelsonville. Within the same 50 miles lie 7 smaller Census places.
How Nelsonville compares across New York
Set beside New York's 595 places, Nelsonville ranks 490th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Nelsonville stands 45th among New York's 595 places — roughly the 92th percentile. By density, at about 609 people per square mile, it ranks 502nd in New York. By land area, its 1.0 square miles rank 390th of 595 places in New York.
Inside a Nelsonville personal loan
Most loans made to Nelsonville's 630 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Nelsonville's rank of 490th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Nelsonville loan is knowable in advance — unlike a revolving card balance.
How New York law applies in Nelsonville
New York has no separate rate rule for Nelsonville; the sourced rows below are what reach every lender that serves its 630 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Payday lending status | Illegal in New York State, in person, by telephone, or over the Internet Source says: "Payday loans are illegal in New York State." | New York State Department of Financial Services as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | New York State Department of Financial Services as of 2026-09-16 |
Getting a loan in Nelsonville
Nelsonville is a moderately settled community of about 630 people, with 251 larger places inside a 50-mile radius. Lenders licensed in New York reach Nelsonville's 630 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Cold Spring, NY about 1 miles away.
Common questions
What are my options in Nelsonville if my credit is poor?
What loan size can I expect in Nelsonville?
Do I have to pledge anything to borrow in Nelsonville?
Does comparing loans in Nelsonville cost me credit score points?
Nearby places
- Cold Spring, NY — population 1,993
- Cornwall-on-Hudson, NY — population 3,008
- Highland Falls, NY — population 3,647
- Beacon, NY — population 15,025
- Newburgh, NY — population 28,237
- Fishkill, NY — population 2,141
- Peekskill, NY — population 25,442
- Buchanan, NY — population 2,215