Fort Plain at a glance
- Population: 1,991 residents, the 306th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,015 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.2% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 306th out of 595 Census places (US Census Bureau).
- Size percentile: larger than about 49% of the Census places in New York (US Census Bureau).
- Coordinates: 42.9327, -74.6268 (US Census Bureau Gazetteer).
- Nearest larger cities: Canajoharie, NY (4 mi); Johnstown, NY (14 mi); Little Falls, NY (14 mi); Dolgeville, NY (14 mi); Gloversville, NY (16 mi); US Census Bureau population estimates.
- Smaller places close by: Nelliston, NY (1 mi); Palatine Bridge, NY (3 mi); St. Johnsville, NY (5 mi) (US Census Bureau).
What a personal loan costs in Fort Plain
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Fort Plain
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fort Plain
A few practical steps will make the process in Fort Plain less costly:
- 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.