Personal loans in Richville, NY

Roughly 262 residents live in Richville, the 580th-largest community in New York. The nearest larger city is Gouverneur, NY about 7 miles away. A single loan can carry different costs on either side of a state line, and Richville sits on the New York side of that line. If debt is already a strain, a nonprofit credit counsellor can help Richville residents before they take on more.

Richville by the numbers

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

• Population: 262 residents; Richville is the 580th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
• Population trend: Down about 1.9% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 5 fewer people than the 2020 Census counted.
• Size percentile: about 3% of New York's Census places are smaller than Richville.
• Population density: about 355 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Richville covers 0.7 square miles, the 473rd-largest area among New York's 595 places.
• Share of New York: Richville holds about 0.0% of the state's population, some 262 people.
• National rank: Richville is the 15,596th most populous of the 19,457 Census places covered here.
• Growth in New York: Richville stands 389th by percentage change from 2020 to 2023, among 595 places.
• Versus New York: the state average change is -1.1%, while Richville moved 1.9%.
• Density in New York: Richville ranks 569th by people per square mile.
• Density in context: Richville's 355 people per square mile sit against a New York median of 1,515.
• Location: 44.4151, -75.3925 (US Census Bureau Gazetteer).
• Nearest larger cities: Gouverneur (7 mi); Rensselaer Falls (13 mi); Heuvelton (14 mi); Hammond (15 mi); Canton (17 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Deferiet (30 mi); Turin (54 mi); Ellisburg (60 mi).
• Within a 50-mile radius: 1 smaller Census places.
• Larger places within 100 miles: 92.

What shapes a Richville personal loan

Most loans made to Richville's 262 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Richville can be quoted different APRs on the same amount and term. Shortening the term on a Richville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Richville

Inside Richville's boundaries lie about 0.7 square miles of land, with no significant water area recorded. Spread across it are roughly 355 residents per square mile. New York, the largest place in New York, is about 270 miles from Richville. A 50-mile radius around Richville takes in 30 places that are larger. By land area it ranks 473rd of 595 New York places.

Borrowing reach in Richville

With about 355 residents per square mile, Richville is lightly settled, and 30 larger Census places sit within 50 miles. What is available to Richville's 262 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest larger city, Gouverneur, NY about 7 miles away.

Richville's place among New York's 595 places

Within New York, Richville holds roughly 0.0% of all residents, the 580th-largest share among 595 places. For population change between 2020 and 2023, Richville ranks 389th of 595 in New York (about the 35th percentile). Its roughly 355 residents per square mile place it 569th among New York's places. The population moved by about 5 people between 2020 and 2023, a 1.9% shift.

The New York lending rules that reach Richville

For the roughly 262 residents of Richville, the rules below are New York's own; each row carries its publisher and retrieval date.