Johnson City at a glance
- Population: roughly 14,874 people; 62nd of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 15,345 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 3.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 62nd of the state's 595 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 90% of New York's Census places by population (US Census Bureau).
- Coordinates: 42.1253, -75.9634 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Binghamton, NY (3 mi); Cortland, NY (35 mi); Ithaca, NY (35 mi); Elmira, NY (43 mi); Oneonta, NY (51 mi); US Census Bureau population estimates.
- Nearest smaller towns: Port Dickinson, NY (4 mi); Endicott, NY (5 mi); Little Meadows, PA (13 mi) — US Census Bureau populations.
What a personal loan costs in Johnson City
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New York lending rules that apply in Johnson City
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Johnson City.
| 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 Johnson City
Run through this list before signing anything in Johnson City:
- 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.