Delevan at a glance
- Population: a Census-estimated 1,032, placing it 411th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,060 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.6% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 411th of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 31% of New York's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 42.4913, -78.4796 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Arcade, NY (3 mi); Springville, NY (10 mi); Franklinville, NY (11 mi); East Aurora, NY (20 mi); Cuba, NY (22 mi) (US Census Bureau).
- Smaller places close by: Ellicottville, NY (18 mi); Gainesville, NY (20 mi); Cattaraugus, NY (23 mi) (US Census Bureau).
What a personal loan costs in Delevan
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Delevan
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Delevan
The order below is a sensible way to approach a loan in Delevan:
- 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.