Bloomingburg at a glance
- Population: 980 — 423rd in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 985 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 0.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 423rd by size among 595 communities (US Census Bureau).
- Size percentile: ahead of around 29% of New York places in population terms (US Census Bureau).
- Coordinates: mapped at 41.5519, -74.4438 by the US Census Bureau Gazetteer.
- Nearest larger cities: Wurtsboro, NY (3 mi); Otisville, NY (7 mi); Middletown, NY (7 mi); Montgomery, NY (11 mi); Ellenville, NY (11 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Woodridge, NY (13 mi); Unionville, NY (18 mi); Nelsonville, NY (27 mi) (US Census Bureau estimates).
What a personal loan costs in Bloomingburg
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New York lending rules that apply in Bloomingburg
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Bloomingburg
The order below is a sensible way to approach a loan in Bloomingburg:
- 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.