Camden at a glance
- Population: roughly 2,143 people; 290th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,202 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 290th of the state's 595 Census places (US Census Bureau).
- Size percentile: roughly 51% of places in New York rank below it by population (US Census Bureau).
- Coordinates: it sits at 43.3365, -75.7477 in the US Census Bureau Gazetteer.
- Nearest larger cities: Rome, NY (15 mi); Canastota, NY (17 mi); Oneida, NY (19 mi); Sherrill, NY (20 mi); Chittenango, NY (21 mi), each a US Census place with its estimated population.
- Smaller places nearby: Sylvan Beach, NY (9 mi); Cleveland, NY (10 mi); Wampsville, NY (18 mi), per US Census Bureau estimates.
What a personal loan costs in Camden
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New York lending rules that apply in Camden
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Camden
Here is a short checklist for comparing personal loans in Camden:
- 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.