Personal loans in Waterloo, NY

What the Census records for Waterloo

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

• Population: 4,704 people, a figure that places Waterloo 177th among the 595 Census places in New York (US Census Bureau, Vintage 2023).
• Population trend: About 3.4% below the 2020 Census base.
• People gained or lost: about 168 fewer since the 2020 base.
• Size percentile: about 70% of New York's Census places are smaller than Waterloo.
• Population density: about 2,181 people per square mile (Census land area 2.2 sq mi).
• Land area rank: Waterloo's 2.2 square miles rank 192nd of 595 places in New York.
• Water area rank: Waterloo ranks 200th among New York's 595 places, with 0.05 sq mi.
• Share of New York: Waterloo holds about 0.0% of the state's population, some 4,704 people.
• Nationally: Waterloo is the 5,002nd-largest of 19,457 Census places in the dataset.
• Growth rank: Waterloo's 2020-to-2023 change ranks 561st of 595 places in New York.
• Versus New York: the state average change is -1.1%, while Waterloo moved 3.4%.
• Density rank: Waterloo is the 204th most densely settled place in New York.
• Density vs New York: Waterloo's 2,181 people per square mile compare with a state median of 1,515.
• Location: latitude 42.9046, longitude -76.8590 (Census Gazetteer).
• Nearest larger cities: Geneva (7 mi); Auburn (15 mi); Newark (15 mi); Penn Yan (20 mi); Canandaigua (21 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Cayuga (7 mi); Union Springs (10 mi); Phelps (11 mi).
• Smaller neighbours: 69 places smaller than Waterloo sit within 50 miles.
• Larger places within 100 miles: 48.

How Waterloo compares across New York

Against New York's other places, Waterloo accounts for about 0.0% of the state's population and ranks 177th of 595 by size. On the 2020-to-2023 trend, Waterloo stands 561st among New York's 595 places — roughly the 6th percentile. At about 2,181 people per square mile, Waterloo is the 204th most densely settled place in New York. In land area, Waterloo ranks 192nd among New York's 595 places.

Before you apply in Waterloo

Complete these steps first when you borrow in Waterloo (4,704 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for 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. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Waterloo and the rest of New York is not the process but the borrower's own file, among the 4,704 people here.

The New York lending rules that reach Waterloo

For the roughly 4,704 residents of Waterloo, the rules below are New York's own; each row carries its publisher and retrieval date.

The anatomy of a Waterloo personal loan

A Waterloo personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,704 residents. Federal Truth in Lending rules require a Waterloo lender to disclose the APR and finance charge before you sign. The term you choose in Waterloo decides the split between a comfortable payment and the total interest you pay.

Where Waterloo sits

Waterloo covers about 2.2 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). That land carries about 2,181 people per square mile. For the state's biggest city, New York, the distance is roughly 216 miles. Waterloo has 19 larger places within a 50-mile radius. The 100-mile radius contains 48 larger places.