Personal loans in North Adams, MA

North Adams: the sourced local profile

Here is the sourced Census picture for North Adams, plus the Massachusetts lending rules that apply to a loan taken out here.

• Population: 12,483 — North Adams ranks 53rd of 54 communities in Massachusetts (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 3.7% from 2020 to 2023.
• Absolute change: 473 residents lost between 2020 and 2023.
• Size percentile: roughly 2% of Massachusetts's places have fewer residents than North Adams's 12,483.
• Density: roughly 614 residents per square mile, spread over 20.3 sq mi of land.
• Land area: North Adams covers 20.3 square miles, the 27th-largest area among Massachusetts's 54 places.
• Water: North Adams holds about 0.27 square miles, the 47th-largest water area in Massachusetts.
• State share: roughly 0.3% of Massachusetts's residents live in North Adams (12,483 people).
• National standing: North Adams ranks 2,701st of 19,457 US places.
• Growth rank: North Adams ranks 50th among Massachusetts's 54 places for the 2020-to-2023 change.
• Versus Massachusetts: the state average change is -0.7%, while North Adams moved 3.7%.
• Density rank: North Adams is the 53rd most densely settled place in Massachusetts.
• Against the state median: North Adams runs about 614 residents per square mile, where the Massachusetts median is 2,833.
• Location: it lies at 42.6756, -73.1181 in the Census Gazetteer.
• Nearest larger cities: Pittsfield (17 mi); Greenfield (27 mi); Troy (29 mi); Cohoes (31 mi); Northampton (33 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Old Bennington (15 mi); Jacksonville (17 mi); North Bennington (18 mi).
• Smaller places within 50 miles: 43 of them.
• Within 100 miles: 55 places are larger than North Adams.

What is available to North Adams borrowers

North Adams is moderately settled, with about 614 people per square mile and 16 larger places within 50 miles. Whether North Adams has a local branch or not, a Massachusetts-licensed lender can serve its 12,483 people online on the same terms. The nearest bigger place is Pittsfield, MA about 17 miles away.

Where North Adams sits

The Census Gazetteer records 20.3 square miles of land and 0.27 square miles of water within North Adams. The resulting density is about 614 people per square mile. The state's population centre of gravity, Boston, is roughly 109 miles away. A 50-mile radius around North Adams takes in 16 places that are larger. Within the same 50 miles lie 43 smaller Census places.

The state rulebook for North Adams

Every row below records a Massachusetts rule, its publisher and its retrieval date — the same rules a North Adams lender must follow.

Where North Adams sits in Massachusetts

Against Massachusetts's other places, North Adams accounts for about 0.3% of the state's population and ranks 53rd of 54 by size. On the 2020-to-2023 trend, North Adams stands 50th among Massachusetts's 54 places — roughly the 7th percentile. Its roughly 614 residents per square mile place it 53rd among Massachusetts's places. In land area, North Adams ranks 27th among Massachusetts's 54 places.

What shapes a North Adams personal loan

North Adams is a small town of about 12,483 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 North Adams's rank of 53rd in Massachusetts: 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 North Adams loan is knowable in advance — unlike a revolving card balance.