New York Loan Comparison

Find and compare loans available to residents of New York. Select a loan category below to see lender options, rates, and state-specific consumer protections.

New York Lending Overview

Personal Loan APR cap

25%

Median Home Price

$478,000

Median Household Income

$80,000

Avg Student Debt

$38,751

State Regulator

New York Department of Financial Services (DFS)

Notable law: New York's Banking Law Section 14-a caps interest on consumer loans at 25% APR and classifies rates above that level as criminal usury, effectively prohibiting payday lending statewide.

Loan Categories in New York

Personal Loans

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses.

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Mortgage

Home purchase loans, refinancing, and home equity products from top mortgage lenders.

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Auto Loans

New and used auto purchase loans plus auto refinancing options from national and regional lenders.

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Student Loans

Private student loans and refinancing options to fund undergraduate, graduate, and professional programs.

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Business Loans

Term loans, SBA-backed loans, lines of credit, and equipment financing for small and medium businesses.

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New York Lending Regulator

Consumer lenders in New York are overseen by the New York Department of Financial Services (DFS). File complaints or verify lender licenses directly with this agency.

New York's Banking Law Section 14-a caps interest on consumer loans at 25% APR and classifies rates above that level as criminal usury, effectively prohibiting payday lending statewide.