Personalloaned Compare rates

NY · city page

Personal loans in Rome, NY

In Rome, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. The Census counts about 31,652 residents in Rome, ranking it 23rd among the 595 places in New York. Lenders in New York work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Rome at a glance

  • Population: the Census estimates 31,652 residents, ranking 23rd of 595 places in New York (Vintage 2023).
  • 2020 Census base: 32,115 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: population fell about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among New York places: 23rd in population of 595 places (US Census Bureau).
  • Size percentile: it is larger than about 96% of the places in New York (US Census Bureau).
  • Coordinates: 43.2260 / -75.4895, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Utica, NY (16 mi); Syracuse, NY (35 mi); Ithaca, NY (75 mi); Binghamton, NY (81 mi); Schenectady, NY (84 mi); US Census Bureau population estimates.
  • Nearest smaller places: Oriskany, NY (9 mi); Vernon, NY (10 mi); Sylvan Beach, NY (12 mi) (US Census Bureau estimates).

What a personal loan costs in Rome

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

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 Rome

The table carries the New York rate and licensing rules that apply to consumer loans made in Rome.

RuleDetailSource
Payday lending statusIllegal 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 licensingLicensed 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 regulatorNew 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 Rome

The steps below are worth completing first when you borrow in Rome:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in New York using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Rome?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Rome are the same as elsewhere in New York.
How much can I borrow with a personal loan in Rome?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Rome require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Rome hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related