Personal loans in Yonkers, NY

An estimated 207,657 people make their home in Yonkers, a figure that ranks 3rd in New York. Begin with the payment, then weigh APR and total interest across the lenders that reach Yonkers's 207,657 residents. Every figure below is New York's own, applied to Yonkers's 207,657 residents, with the publisher and retrieval date attached. A larger market lies at Jersey City, NJ about 19 miles away.

Yonkers: population, trend and location

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

• Population: 207,657 residents; Yonkers is the 3rd-largest of 595 places in New York (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 1.9% across the 2020-to-2023 comparison.
• People gained or lost: about 3,927 fewer since the 2020 base.
• Size percentile: Yonkers sits ahead of around 99% of New York places, at 207,657 people.
• Land and density: 18.0 square miles of land carry roughly 11,533 residents per square mile.
• Land area: Yonkers covers 18.0 square miles, the 12th-largest area among New York's 595 places.
• Water area: Yonkers has 2.26 square miles of water, ranking 18th of 595 places in New York.
• State share: roughly 1.7% of New York's residents live in Yonkers (207,657 people).
• National rank: Yonkers is the 111th most populous of the 19,457 Census places covered here.
• Growth rank: Yonkers's 2020-to-2023 change ranks 384th of 595 places in New York.
• Against the state trend: Yonkers's 1.9% change compares with a New York average of -1.1% across its 595 places.
• Density rank: Yonkers is the 15th most densely settled place in New York.
• Density vs New York: Yonkers's 11,533 people per square mile compare with a state median of 1,515.
• Location: 40.9459 / -73.8674, per the US Census Bureau Gazetteer.
• Nearest larger cities: Jersey City (19 mi); New York (20 mi); Newark (22 mi); Philadelphia (93 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Bronxville (2 mi); Tuckahoe (2 mi); Hastings-on-Hudson (3 mi).
• Smaller places within 50 miles: 346 of them.
• Larger places within 100 miles: 4.

The Yonkers borrowing checklist

Before you apply in Yonkers, a community of about 207,657, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the New York regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Yonkers-specific: the same New York licensing and disclosure rules reach all 207,657 residents.

The state rulebook for Yonkers

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

How a Yonkers personal loan is priced

In Yonkers, a sizable city of about 207,657, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Yonkers can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Yonkers loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Yonkers

With about 11,533 residents per square mile, Yonkers is densely built, and 3 larger Census places sit within 50 miles. A New York licence lets a lender serve Yonkers without a local office, so branch density does not change what its 207,657 residents are offered. The nearest bigger place is Jersey City, NJ about 19 miles away.

Yonkers's place among New York's 595 places

Among New York's 595 places, Yonkers sits at 3rd for population, a share of roughly 1.7% of the state. Its 2020-to-2023 change ranks 384th of 595 New York places, putting it near the 35th percentile for growth. Its roughly 11,533 residents per square mile place it 15th among New York's places. By land area, its 18.0 square miles rank 12th of 595 places in New York.