Jordan at a glance
- Population: a Census-estimated 1,203, placing it 390th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,227 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
- Rank among New York places: the 390th-largest of 595 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 34% of places in New York rank below it by population (US Census Bureau).
- Coordinates: 43.0671 latitude, -76.4729 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Weedsport, NY (5 mi); Port Byron, NY (8 mi); Camillus, NY (8 mi); Skaneateles, NY (9 mi); Marcellus, NY (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Elbridge, NY (3 mi); Meridian, NY (7 mi); Cato, NY (8 mi) — US Census Bureau populations.
What a personal loan costs in Jordan
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New York lending rules that apply in Jordan
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Jordan.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jordan
A few practical steps will make the process in Jordan 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.