Hyde Park at a glance
- Population: 425 (US Census Bureau, Vintage 2023 subcounty estimate), the 32nd-largest of 40 places in Vermont.
- 2020 Census base: 431 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Vermont places: 32nd-largest of 40 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 20% of the places in Vermont (US Census Bureau).
- Coordinates: 44.5991 / -72.6084, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Morrisville, VT (3 mi); Johnson, VT (4 mi); Jeffersonville, VT (11 mi); Montpelier, VT (23 mi); Enosburg Falls, VT (23 mi) (US Census Bureau).
- Nearest smaller communities: Cambridge, VT (14 mi); Albany, VT (14 mi); Marshfield, VT (21 mi), each a US Census place.
What a personal loan costs in Hyde Park
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Vermont lending rules that apply in Hyde Park
Read the table as the compliance picture for a lender serving Hyde Park: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a) Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method | Vermont General Assembly (Vermont Statutes Online) 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 |
How to compare offers in Hyde Park
A few practical steps will make the process in Hyde Park less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Vermont using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.