Gouverneur at a glance
- Population: 3,617 — 211th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,622 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: 211th out of 595 Census places (US Census Bureau).
- Size percentile: ahead of around 65% of New York places in population terms (US Census Bureau).
- Coordinates: 44.3366, -75.4660 (US Census Bureau Gazetteer).
- Nearest larger cities: Canton, NY (23 mi); Ogdensburg, NY (26 mi); Potsdam, NY (33 mi); Watertown, NY (33 mi); Massena, NY (50 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Richville, NY (7 mi); Antwerp, NY (12 mi); Hammond, NY (14 mi) — US Census Bureau populations.
What a personal loan costs in Gouverneur
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Gouverneur
The table carries the New York rate and licensing rules that apply to consumer loans made in Gouverneur.
| 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 Gouverneur
A few practical steps will make the process in Gouverneur 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.