Personal loans in Patchogue, NY

Compare APR, not the interest rate, because the APR folds in most fees on a Patchogue loan. Population in Patchogue dropped about 0.5% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Patchogue sits on the New York side of that line. The nearest larger metro is Lindenhurst, NY about 19 miles away.

Patchogue: population, trend and location

The figures below are Patchogue's own — Census population, land area and coordinates — followed by the New York rules.

• Population: about 12,337, ranked 69th of 595 places in New York (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 0.5% fewer residents than the 2020 Census counted.
• Absolute change: 58 residents lost between 2020 and 2023.
• Size percentile: about 88% of New York's Census places are smaller than Patchogue.
• Density: the Census land area of 2.3 sq mi holds about 5,459 people per square mile.
• Land area rank: Patchogue's 2.3 square miles rank 177th of 595 places in New York.
• Water area rank: Patchogue ranks 84th among New York's 595 places, with 0.26 sq mi.
• Share of New York: Patchogue holds about 0.1% of the state's population, some 12,337 people.
• National standing: Patchogue ranks 2,721st of 19,457 US places.
• Growth in New York: Patchogue stands 140th by percentage change from 2020 to 2023, among 595 places.
• State comparison: New York's places average -1.1% for 2020-to-2023, against Patchogue's 0.5%.
• Density rank: Patchogue places 61st among New York's places by people per square mile.
• Density vs New York: Patchogue's 5,459 people per square mile compare with a state median of 1,515.
• Location: 40.7637, -73.0198 (US Census Bureau Gazetteer).
• Nearest larger cities: Lindenhurst (19 mi); Massapequa Park (23 mi); Westbury (30 mi); Freeport (31 mi); Bridgeport (31 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Bellport (4 mi); Lake Grove (8 mi); Islandia (8 mi).
• Smaller places within 50 miles: 103 of them.
• Within 100 miles: 127 places are larger than Patchogue.

Patchogue on the map

Patchogue covers about 2.3 square miles of land, with 0.26 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 5,459 residents per square mile. The largest place in New York, New York, lies about 49 miles away. Within 50 miles of Patchogue there are 33 larger Census places. By land area it ranks 177th of 595 New York places.

Before you apply in Patchogue

Before you hand your details to a lender in Patchogue, where the population is near 12,337:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the New York licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across New York; what changes is your credit file, not the fact that Patchogue holds 12,337 people.

The anatomy of a Patchogue personal loan

Patchogue is a small town of about 12,337 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Patchogue lender to disclose the APR and finance charge before you sign. The term you choose in Patchogue decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Patchogue

Patchogue is densely built, with about 5,459 people per square mile and 33 larger places within 50 miles. Whether Patchogue has a local branch or not, a New York-licensed lender can serve its 12,337 people online on the same terms. The nearest larger city, Lindenhurst, NY about 19 miles away.

Which New York laws govern a loan in Patchogue

This table holds the New York rate and licensing rules for consumer loans made to Patchogue's 12,337 residents.