St. Johnsville at a glance
- Population: about 1,697 residents, ranking 336th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,714 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: 336th out of 595 Census places (US Census Bureau).
- Size percentile: ahead of around 44% of New York places in population terms (US Census Bureau).
- Coordinates: 43.0006 / -74.6760, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Fort Plain, NY (5 mi); Canajoharie, NY (9 mi); Dolgeville, NY (9 mi); Little Falls, NY (10 mi); Johnstown, NY (15 mi) (US Census Bureau).
- Nearest smaller communities: Nelliston, NY (6 mi); Palatine Bridge, NY (8 mi); Ames, NY (12 mi) (Census populations).
What a personal loan costs in St. Johnsville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 St. Johnsville
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in St. Johnsville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in St. Johnsville
These steps are the ones that most affect the offer you receive in St. Johnsville:
- 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.