Burdett at a glance
- Population: 333 people, the 560th-largest place among New York's 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 349 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 4.6% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 560th by size among 595 communities (US Census Bureau).
- Size percentile: roughly 6% of New York's places have fewer residents (US Census Bureau).
- Coordinates: 42.4169 latitude, -76.8440 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Watkins Glen, NY (3 mi); Montour Falls, NY (5 mi); Odessa, NY (6 mi); Dundee, NY (10 mi); Trumansburg, NY (13 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Millport, NY (10 mi); Lodi, NY (14 mi); Dresden, NY (19 mi) (US Census Bureau).
What a personal loan costs in Burdett
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New York lending rules that apply in Burdett
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Burdett
The steps below are worth completing first when you borrow in Burdett:
- 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.