Granville at a glance
- Population: the Census estimates 2,416 residents, ranking 273rd of 595 places in New York (Vintage 2023).
- 2020 Census base: 2,432 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 273rd of the state's 595 Census places (US Census Bureau).
- Size percentile: roughly 54% of New York's places have fewer residents (US Census Bureau).
- Coordinates: 43.4134 latitude, -73.2645 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Whitehall, NY (12 mi); Hudson Falls, NY (18 mi); Fort Edward, NY (19 mi); Rutland, VT (20 mi); South Glens Falls, NY (20 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Poultney, VT (7 mi); Fort Ann, NY (11 mi); Argyle, NY (17 mi) (US Census Bureau).
What a personal loan costs in Granville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New York lending rules that apply in Granville
The New York rate caps and licensing rules that reach Granville are listed below, each with its source and retrieval date.
| 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 Granville
Run through this list before signing anything in Granville:
- 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.