Unadilla at a glance
- Population: roughly 1,087 people; 402nd of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,100 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down roughly 1.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 402nd in population of 595 places (US Census Bureau).
- Size percentile: ahead of around 32% of New York places in population terms (US Census Bureau).
- Coordinates: mapped at 42.3274, -75.3149 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Sidney, NY (4 mi); Bainbridge, NY (9 mi); Walton, NY (14 mi); Oneonta, NY (15 mi); Oxford, NY (16 mi) (US Census Bureau).
- Smaller places nearby: Franklin, NY (8 mi); Otego, NY (8 mi); Gilbertsville, NY (10 mi), per US Census Bureau estimates.
What a personal loan costs in Unadilla
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New York lending rules that apply in Unadilla
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Unadilla.
| 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 Unadilla
Run through this list before signing anything in Unadilla:
- 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.