Argyle at a glance
- Population: 293, the 570th-largest community in New York out of 595 (US Census Bureau, Vintage 2023).
- 2020 Census base: 294 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 0.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 570th in population of 595 places (US Census Bureau).
- Size percentile: it exceeds roughly 4% of New York's Census places by population (US Census Bureau).
- Coordinates: 43.2363, -73.4907 (US Census Bureau Gazetteer).
- Nearest larger cities: Fort Edward, NY (5 mi); Hudson Falls, NY (7 mi); South Glens Falls, NY (8 mi); Glens Falls, NY (9 mi); Greenwich, NY (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Old Bennington, VT (28 mi); Galway, NY (31 mi); Newfane, VT (45 mi) (Census populations).
What a personal loan costs in Argyle
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New York lending rules that apply in Argyle
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Argyle
Run through this list before signing anything in Argyle:
- 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.