Antwerp at a glance
- Population: a Census-estimated 512, placing it 520th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 518 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 520th out of 595 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 13% of New York's Census places by population (US Census Bureau).
- Coordinates: mapped at 44.1995, -75.6090 by the US Census Bureau Gazetteer.
- Nearest larger cities: Philadelphia, NY (6 mi); Theresa, NY (9 mi); Gouverneur, NY (12 mi); Evans Mills, NY (13 mi); Carthage, NY (15 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Deferiet, NY (12 mi); Hammond, NY (18 mi); Richville, NY (18 mi) (US Census Bureau).
What a personal loan costs in Antwerp
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New York lending rules that apply in Antwerp
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Antwerp.
| Rule | Detail | Source |
|---|---|---|
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) as of 2026-09-16 |
| Payday lending status | Illegal in New York State, in person, by telephone, or over the Internet Source says: "Payday loans are illegal in New York State." | New York State Department of Financial Services as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | New York State Department of Financial Services as of 2026-09-16 |
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
How to compare offers in Antwerp
A few practical steps will make the process in Antwerp 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 New York using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.