Personal loans in Watervliet, NY

Watervliet shed about 2.0% of its population between the 2020 base and the 2023 estimate. Compare APR, not the interest rate, because the APR folds in most fees on a Watervliet loan. Borrowers who want a bigger city can look to Troy, NY about 2 miles away. A lender that serves Watervliet operates under New York lending statutes and a New York supervisor.

Watervliet: the sourced local profile

What follows is Watervliet's place in the Census record, alongside the New York rules that govern a personal loan made here.

• Population: 10,170 — Watervliet ranks 85th of 595 communities in New York (US Census Bureau, Vintage 2023).
• Population trend: About 2.0% below the 2020 Census base.
• Net change: roughly 207 fewer people than the 2020 Census counted.
• Size percentile: roughly 86% of New York's places have fewer residents than Watervliet's 10,170.
• Land and density: 1.3 square miles of land carry roughly 7,578 residents per square mile.
• Land area: Watervliet covers 1.3 square miles, the 310th-largest area among New York's 595 places.
• Water: Watervliet holds about 0.13 square miles, the 125th-largest water area in New York.
• Share of New York: Watervliet holds about 0.1% of the state's population, some 10,170 people.
• National standing: Watervliet ranks 3,121st of 19,457 US places.
• Growth rank: Watervliet ranks 416th among New York's 595 places for the 2020-to-2023 change.
• Against the state trend: Watervliet's 2.0% change compares with a New York average of -1.1% across its 595 places.
• Density in New York: Watervliet ranks 37th by people per square mile.
• Density vs New York: Watervliet's 7,578 people per square mile compare with a state median of 1,515.
• Location: it lies at 42.7249, -73.7070 in the Census Gazetteer.
• Nearest larger cities: Troy (2 mi); Cohoes (3 mi); Albany (6 mi); Schenectady (12 mi); Saratoga Springs (24 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Green Island (2 mi); Menands (3 mi); Waterford (5 mi).
• Smaller places within 50 miles: 67 of them.
• Larger places within 100 miles: 48.

New York consumer-lending rules applied in Watervliet

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

The anatomy of a Watervliet personal loan

Most loans made to Watervliet's 10,170 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Watervliet's 10,170 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Watervliet decides the split between a comfortable payment and the total interest you pay.

Where Watervliet sits in New York

Among New York's 595 places, Watervliet sits at 85th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Watervliet stands 416th among New York's 595 places — roughly the 30th percentile. By density, at about 7,578 people per square mile, it ranks 37th in New York. Within 50 miles sit 67 smaller Census places, alongside the 10 that are larger.

Borrowing reach in Watervliet

Watervliet is densely built, with about 7,578 people per square mile and 10 larger places within 50 miles. What is available to Watervliet's 10,170 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. The nearest larger city, Troy, NY about 2 miles away.

Land, water and location for Watervliet

Inside Watervliet's boundaries lie roughly 1.3 square miles of land and 0.13 square miles of water. That land carries about 7,578 people per square mile. For the state's biggest city, New York, the distance is roughly 143 miles. Within 50 miles of Watervliet there are 10 larger Census places. Within the same 50 miles lie 67 smaller Census places.