Personal Loans in New York
Personal loans in New York: we publish lender comparison pages for 34 communities, including Albany, Amsterdam, Auburn. $200-$5,000, all credit types.
Loans by Situation in New York
Every New York city we cover (34)
Listed alphabetically. Population is shown only where we hold a verified figure. Select a location to see local loan options.
E — 1
F — 1
G — 1
H — 1
I — 1
J — 1
K — 1
L — 1
O — 1
R — 2
T — 1
U — 1
V — 1
Y — 1
365 Loans matches New York residents with licensed lenders offering personal loans from $200 to $5,000. See how the application works.
New York Lending Regulations
Regulated by Department of Financial Services
- Usury cap of 16% for most personal loans
- Payday loans are effectively prohibited
- All lenders must be licensed by DFS
- Strong consumer protection enforcement
New York has strict usury laws that effectively ban high-cost lending.
Related reading: borrowing with bad credit · improving your credit score
New York loan questions
How much can I borrow in New York?
Personal loans arranged through 365 Loans in New York range from $200 to $5,000 USD. The amount offered depends on your income, credit history and the lender's own policies.
Which communities in New York do you cover?
We publish loan pages for 34 communities in New York, including Albany, Amsterdam, Auburn, Binghamton, Buffalo. Every one is listed alphabetically in the directory on this page.
Who regulates consumer lending in New York?
Department of Financial Services (consumer helpline 1-800-342-3736). Usury cap of 16% for most personal loans.
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