Personal loans in Utica, NY

Utica by the numbers

Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.

• Population: the Census counts 63,607 residents in Utica (Vintage 2023 subcounty estimate), the 10th-largest figure among New York's 595 places.
• Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 1,679 fewer people than the 2020 Census counted.
• Size percentile: Utica's 63,607 people outrank roughly 98% of the places in New York.
• Land and density: 16.7 square miles of land carry roughly 3,804 residents per square mile.
• By land area: Utica ranks 14th among New York's 595 places, at 16.7 sq mi.
• Water area: Utica has 0.26 square miles of water, ranking 85th of 595 places in New York.
• State population share: Utica accounts for about 0.5% of everyone in New York.
• National rank: Utica sits 599th by population among the 19,457 places in this dataset.
• Growth rank: Utica ranks 507th among New York's 595 places for the 2020-to-2023 change.
• Versus New York: the state average change is -1.1%, while Utica moved 2.6%.
• Density rank: Utica places 104th among New York's places by people per square mile.
• Against the state median: Utica runs about 3,804 residents per square mile, where the New York median is 1,515.
• Location: 43.0964, -75.2260 (Census Gazetteer coordinates).
• Nearest larger cities: Syracuse (46 mi); Schenectady (69 mi); Albany (78 mi); Scranton (119 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Yorkville (3 mi); New York Mills (3 mi); New Hartford (4 mi), each with its own Census population profile.
• Within a 50-mile radius: 84 smaller Census places.
• Larger places within 100 miles: 3.

Borrowing reach in Utica

Utica is fairly dense, with about 3,804 people per square mile and 1 larger places within 50 miles. A New York licence lets a lender serve Utica without a local office, so branch density does not change what its 63,607 residents are offered. For a larger market, the closest option is Syracuse, NY about 46 miles away.

Utica's place among New York's 595 places

Among New York's 595 places, Utica sits at 10th for population, a share of roughly 0.5% of the state. For population change between 2020 and 2023, Utica ranks 507th of 595 in New York (about the 15th percentile). Its roughly 3,804 residents per square mile place it 104th among New York's places. The population moved by about 1,679 people between 2020 and 2023, a 2.6% shift.

Utica: area, density and distance

Inside Utica's boundaries lie roughly 16.7 square miles of land and 0.26 square miles of water. The resulting density is about 3,804 people per square mile. The state's population centre of gravity, New York, is roughly 181 miles away. A 50-mile radius around Utica takes in 1 places that are larger. Within the same 50 miles lie 84 smaller Census places.

What New York law requires in Utica

When New York does not publish a figure, the row links to the source instead of inventing a number; Utica is bound by the same rules.

What shapes a Utica personal loan

Most loans made to Utica's 63,607 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Utica. Shortening the term on a Utica loan raises the monthly payment but cuts the interest; lengthening it does the reverse.