Port Leyden at a glance
- Population: about 594, 499th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 595 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 0.2% since the 2020 count (US Census Bureau).
- Rank among New York places: 499th by size among 595 communities (US Census Bureau).
- Size percentile: it exceeds roughly 16% of New York's Census places by population (US Census Bureau).
- Coordinates: 43.5847 latitude, -75.3400 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Boonville, NY (7 mi); Lowville, NY (16 mi); Croghan, NY (22 mi); Rome, NY (26 mi); Camden, NY (27 mi); US Census Bureau population estimates.
- Nearest smaller towns: Constableville, NY (5 mi); Turin, NY (5 mi); Remsen, NY (19 mi) — US Census Bureau populations.
What a personal loan costs in Port Leyden
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Port Leyden
The table lists the New York rules that apply to a loan made in Port Leyden, each with the regulator that published it.
| 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 Port Leyden
The order below is a sensible way to approach a loan in Port Leyden:
- 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.