Baldwinsville at a glance
- Population: about 7,639, 113th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 7,831 (US Census Bureau).
- 2020 to 2023 change: population fell about 2.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 113th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 81% of New York's Census places are smaller (US Census Bureau).
- Coordinates: latitude 43.1597, longitude -76.3385 (US Census Bureau Gazetteer).
- Nearest larger cities: Fulton, NY (12 mi); Syracuse, NY (13 mi); Auburn, NY (19 mi); Oswego, NY (22 mi); Oneida, NY (34 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Phoenix, NY (5 mi); Liverpool, NY (7 mi); Camillus, NY (8 mi) (US Census Bureau estimates).
What a personal loan costs in Baldwinsville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New York lending rules that apply in Baldwinsville
Read the table as the compliance picture for a lender serving Baldwinsville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Baldwinsville
Here is a short checklist for comparing personal loans in Baldwinsville:
- 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.