Brushton at a glance
- Population: 435 (US Census Bureau, Vintage 2023 subcounty estimate), the 540th-largest of 595 places in New York.
- 2020 Census base: the 2020 Census recorded 440 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.1% since the 2020 count (US Census Bureau).
- Rank among New York places: 540th in population of 595 places (US Census Bureau).
- Size percentile: roughly 9% of places in New York rank below it by population (US Census Bureau).
- Coordinates: 44.8307, -74.5119 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Malone, NY (11 mi); Massena, NY (20 mi); Chateaugay, NY (22 mi); Norwood, NY (24 mi); Potsdam, NY (26 mi) (US Census Bureau populations).
- Nearest smaller towns: Burke, NY (17 mi); Rensselaer Falls, NY (43 mi); Richville, NY (52 mi) (US Census Bureau).
What a personal loan costs in Brushton
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New York lending rules that apply in Brushton
The table lists the New York rules that apply to a loan made in Brushton, 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 Brushton
Here is a short checklist for comparing personal loans in Brushton:
- 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.