Whitehall at a glance
- Population: 2,478 residents, the 270th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,494 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 270th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 55% of the Census places in New York (US Census Bureau).
- Coordinates: mapped at 43.5460, -73.4338 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Hudson Falls, NY (18 mi); Glens Falls, NY (19 mi); South Glens Falls, NY (20 mi); Fort Edward, NY (21 mi); Rutland, VT (23 mi) (US Census Bureau).
- Nearest smaller places: Fort Ann, NY (9 mi); Poultney, VT (10 mi); Granville, NY (12 mi) (US Census Bureau estimates).
What a personal loan costs in Whitehall
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Whitehall
The table lists the New York rules that apply to a loan made in Whitehall, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Whitehall
Before you commit to a personal loan in Whitehall, 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.