Naples at a glance
- Population: 955 people, the 426th-largest place among New York's 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 980 residents here (US Census Bureau).
- 2020 to 2023 change: down roughly 2.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 426th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 28% of New York's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.6174, -77.4021.
- Nearest larger cities: Wayland, NY (11 mi); Dansville, NY (15 mi); Penn Yan, NY (18 mi); Bloomfield, NY (19 mi); Livonia, NY (20 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Cohocton, NY (10 mi); Rushville, NY (13 mi); Avoca, NY (14 mi) — US Census Bureau populations.
What a personal loan costs in Naples
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed 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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New York lending rules that apply in Naples
Read the table as the compliance picture for a lender serving Naples: label, sourced figure, publisher and 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 Naples
Before you commit to a personal loan in Naples, work through these steps:
- 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.