Blasdell at a glance
- Population: a Census-estimated 2,534, placing it 265th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,537 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 0.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 265th in population of 595 places (US Census Bureau).
- Size percentile: roughly 55% of places in New York rank below it by population (US Census Bureau).
- Coordinates: mapped at 42.7965, -78.8324 by the US Census Bureau Gazetteer.
- Nearest larger cities: Lackawanna, NY (2 mi); Hamburg, NY (5 mi); Orchard Park, NY (5 mi); Buffalo, NY (7 mi); Sloan, NY (7 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Angola, NY (15 mi); North Collins, NY (15 mi); Farnham, NY (19 mi) (US Census Bureau).
What a personal loan costs in Blasdell
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Blasdell
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Blasdell.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Blasdell
These steps are the ones that most affect the offer you receive in Blasdell:
- 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.