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Personal loans in Dundee, NY

A personal loan in Dundee is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. Census data place Dundee's population near 1,688, the 338th-largest among New York's 595 Census places. The sourced table below shows the New York rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Dundee at a glance

  • Population: the Census estimates 1,688 residents, ranking 338th of 595 places in New York (Vintage 2023).
  • 2020 Census base: 1,722 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: roughly 2.0% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among New York places: 338th of the state's 595 Census places (US Census Bureau).
  • Size percentile: about 43% of New York's Census places are smaller (US Census Bureau).
  • Coordinates: latitude 42.5236, longitude -76.9774 (US Census Bureau Gazetteer).
  • Nearest larger cities: Penn Yan, NY (10 mi); Watkins Glen, NY (11 mi); Bath, NY (22 mi); Geneva, NY (23 mi); Ithaca, NY (25 mi); each population is a US Census Bureau estimate.
  • Nearest smaller towns: Burdett, NY (10 mi); Lodi, NY (10 mi); Dresden, NY (11 mi) — US Census Bureau populations.

What a personal loan costs in Dundee

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

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.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

New York lending rules that apply in Dundee

Read the table as the compliance picture for a lender serving Dundee: label, sourced figure, publisher and date.

RuleDetailSource
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 statusIllegal 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 licensingLicensed 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 regulatorNew 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

How to compare offers in Dundee

Before you share your details with a lender in Dundee:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in New York using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Dundee?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Dundee are the same as elsewhere in New York.
How much can I borrow with a personal loan in Dundee?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Dundee require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Dundee hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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