Personal loans in Winooski, VT
In Winooski, one of 40 Census places in Vermont, the figure to compare across lenders is the APR, not the advertised rate. Which products a lender may offer to Winooski's 8,251 residents follows from the Vermont consumer-lending framework.
Winooski ranks 6th of 40 places in Vermont, with a population near 8,251. Read the disclosure for an origination fee and any prepayment penalty before signing in Winooski. Census figures put the 2020-to-2023 increase in Winooski at about 3.1%. A larger market lies at Burlington, VT about 3 miles away.
The Winooski data picture
Only a few things actually differ by place — population, area, location, and the Vermont rules a lender must follow — and they are below.
- Population: an estimated 8,251 residents, 6th of 40 places in Vermont (Census Vintage 2023 subcounty estimate).
- Population trend: Growth of about 3.1% across the 2020-to-2023 comparison.
- Net change: roughly 251 more people than the 2020 Census counted.
- Size percentile: bigger than about 85% of the places in Vermont, with 8,251 residents in Winooski.
- Land and density: 1.4 square miles of land carry roughly 5,975 residents per square mile.
- Land area rank: Winooski's 1.4 square miles rank 20th of 40 places in Vermont.
- Water area: Winooski has 0.09 square miles of water, ranking 9th of 40 places in Vermont.
- State share: roughly 5.3% of Vermont's residents live in Winooski (8,251 people).
- National rank: Winooski is the 3,616th most populous of the 19,457 Census places covered here.
- Growth rank: Winooski ranks 5th among Vermont's 40 places for the 2020-to-2023 change.
- Against the state trend: Winooski's 3.1% change compares with a Vermont average of -0.1% across its 40 places.
- Density in Vermont: Winooski ranks 1st by people per square mile.
- Density vs Vermont: Winooski's 5,975 people per square mile compare with a state median of 874.
- Location: the Census Gazetteer records it at 44.4956, -73.1849.
- Nearest larger cities: Burlington (3 mi); Essex Junction (4 mi); South Burlington (4 mi); Plattsburgh (19 mi); Barre (39 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Cambridge (18 mi); Jeffersonville (21 mi); St. Albans (22 mi), each with its own Census population profile.
- Within a 50-mile radius: 18 smaller Census places.
- At 100 miles: 12 larger Census places fall inside that radius.
The geography behind Winooski
The Census Gazetteer records 1.4 square miles of land and 0.09 square miles of water within Winooski. The resulting density is about 5,975 people per square mile. For the state's biggest city, Burlington, the distance is roughly 3 miles. Winooski has 5 larger places within a 50-mile radius. Within the same 50 miles lie 18 smaller Census places.
Which Vermont laws govern a loan in Winooski
Every row below records a Vermont rule, its publisher and its retrieval date — the same rules a Winooski lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Vermont Department of Financial Regulation (DFR), Banking Division Source says: The Banking Division regulates the below listed non-depository financial services. | Vermont Department of Financial Regulation (DFR) as of 2026-09-16 |
| Payday lending status | Prohibited — payday loans (postdated check lending) are explicitly banned in Vermont Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned. | Vermont Attorney General as of 2026-09-16 |
| Small-loan / installment lender licensing | Lender license required from the Commissioner (8 V.S.A. ch. 73, § 2201) Source says: Without first obtaining a license under this chapter from the Commissioner, a person shall not | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
Winooski in state context
Against Vermont's other places, Winooski accounts for about 5.3% of the state's population and ranks 6th of 40 by size. For population change between 2020 and 2023, Winooski ranks 5th of 40 in Vermont (about the 88th percentile). Its roughly 5,975 residents per square mile place it 1st among Vermont's places. The population moved by about 251 people between 2020 and 2023, a 3.1% shift.
Inside a Winooski personal loan
Most loans made to Winooski's 8,251 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Winooski can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Winooski loan but raises total interest, so the smallest payment is not the cheapest loan.
Getting a loan in Winooski
Winooski is densely built, with about 5,975 people per square mile and 5 larger places within 50 miles. A Vermont licence lets a lender serve Winooski without a local office, so branch density does not change what its 8,251 residents are offered. For a larger market, the closest option is Burlington, VT about 3 miles away.
Common questions
What are my options in Winooski if my credit is poor?
What loan size can I expect in Winooski?
Do I have to pledge anything to borrow in Winooski?
Does comparing loans in Winooski cost me credit score points?
Nearby places
- Burlington, VT — population 44,528
- South Burlington, VT — population 21,043
- Essex Junction, VT — population 10,817
- St. Albans, VT — population 6,935
- Cambridge, VT — population 197
- Vergennes, VT — population 2,566
- Plattsburgh, NY — population 19,867
- Jeffersonville, VT — population 756