Personal Loans in New York
Get personal loans in New York. Compare lenders in all 34+ cities. $200-$5,000, all credit types welcome.
Personal Loans in New York Cities
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About Personal Loans in New York
365 Loans connects New York residents with trusted lenders across the state. Whether you're in a major city or a smaller town, our network of licensed lenders can help you access personal loans from $200 to $5,000.
Why New York Residents Choose 365 Loans
- Local Lenders: Our partners understand New York's lending regulations.
- Fast Approval: Get decisions in minutes, not days.
- All Credit Welcome: Bad credit, fair credit, or good credit options available.
- No Credit Impact: Checking your rate won't affect your credit score.
How to Apply for a Loan in New York
- Select your city — Choose from 34 cities in New York.
- Complete the form — Takes just 2 minutes on any device.
- Compare offers — Review multiple lender offers side-by-side.
- Get funded — Receive funds as soon as the next business day.
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.
Frequently Asked Questions
Can I get a personal loan in New York with bad credit?
Yes! Many lenders in our New York network specialize in working with all credit types, including bad credit.
How much can I borrow in New York?
Personal loans in New York typically range from $200 to $5,000. The amount depends on your income and credit profile.
How fast can I get approved?
Most New York residents receive a decision within minutes. Funds can be deposited as soon as the next business day.
Will checking my rate affect my credit score?
No. We use a soft credit inquiry that doesn't impact your score. A hard inquiry only occurs if you accept an offer.
Apply for Your Personal Loan Today
Join thousands of Americans who have found better loan options with 365 Loans USA. Apply now and get your personalized offers in minutes.
No obligation • 100% Free