Coxsackie at a glance
- Population: 2,717 residents, the 255th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,747 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.1% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 255th of the state's 595 Census places (US Census Bureau).
- Size percentile: larger than about 57% of the Census places in New York (US Census Bureau).
- Coordinates: 42.3576, -73.8080 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Hudson, NY (7 mi); Ravena, NY (8 mi); Catskill, NY (10 mi); Rensselaer, NY (20 mi); Saugerties, NY (21 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Kinderhook, NY (6 mi); Athens, NY (6 mi); Valatie, NY (8 mi) — US Census Bureau populations.
What a personal loan costs in Coxsackie
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Coxsackie
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Coxsackie.
| 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 Coxsackie
The order below is a sensible way to approach a loan in Coxsackie:
- 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.