Personal loans in Parish, NY

What the Census records for Parish

Here is the sourced Census picture for Parish, plus the New York lending rules that apply to a loan taken out here.

• Population: about 445 people live here, which puts Parish 539th of 595 Census places in New York (Vintage 2023).
• Population trend: A loss of roughly 1.5% between 2020 and 2023.
• Absolute change: 7 residents lost between 2020 and 2023.
• Size percentile: about 9% of New York communities are smaller than Parish (445 residents).
• Density: the Census land area of 1.6 sq mi holds about 283 people per square mile.
• Land area rank: Parish's 1.6 square miles rank 265th of 595 places in New York.
• Share of New York: Parish holds about 0.0% of the state's population, some 445 people.
• Nationally: Parish is the 13,658th-largest of 19,457 Census places in the dataset.
• Growth rank: Parish ranks 312th among New York's 595 places for the 2020-to-2023 change.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Parish's 1.5%.
• Density in New York: Parish ranks 581st by people per square mile.
• Density vs New York: Parish's 283 people per square mile compare with a state median of 1,515.
• Location: latitude 43.4058, longitude -76.1264 (Census Gazetteer).
• Nearest larger cities: Mexico (7 mi); Central Square (8 mi); Pulaski (11 mi); Phoenix (15 mi); Fulton (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Mannsville (22 mi); Ellisburg (23 mi); Meridian (27 mi) — useful context for the surrounding area.
• Smaller neighbours: 12 places smaller than Parish sit within 50 miles.
• Larger places within 100 miles: 207.

How personal loans work in Parish

Most loans made to Parish's 445 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Parish can be quoted different APRs on the same amount and term. Shortening the term on a Parish loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Parish

For Parish's roughly 445 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's New York licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across New York; what changes is your credit file, not the fact that Parish holds 445 people.

How New York law applies in Parish

For the roughly 445 residents of Parish, the rules below are New York's own; each row carries its publisher and retrieval date.

Parish: area, density and distance

The Census Gazetteer records about 1.6 square miles of land within Parish, with no significant water area listed. Spread across it are roughly 283 residents per square mile. The state's population centre of gravity, New York, is roughly 220 miles away. Parish has 75 larger places within a 50-mile radius. Within the same 50 miles lie 12 smaller Census places.

What is available to Parish borrowers

At roughly 283 people per square mile, Parish is lightly settled; 75 larger places lie within 50 miles. Whether Parish has a local branch or not, a New York-licensed lender can serve its 445 people online on the same terms. For a larger market, the closest option is Mexico, NY about 7 miles away.