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Personal loans in Chateaugay, NY

In Chateaugay, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Chateaugay's Census population of roughly 744 makes it the 468th-largest of 595 places in New York. Every lender serving New York must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Chateaugay at a glance

  • Population: about 744 residents, ranking 468th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 750 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
  • Rank among New York places: 468th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: roughly 21% of New York's places have fewer residents (US Census Bureau).
  • Coordinates: it sits at 44.9266, -74.0804 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Malone, NY (12 mi); Dannemora, NY (23 mi); Champlain, NY (32 mi); Plattsburgh, NY (35 mi); Rouses Point, NY (35 mi) (Census populations, approximate straight-line distance).
  • Smaller places nearby: Burke, NY (5 mi); Brushton, NY (22 mi); Alburgh, VT (38 mi), per US Census Bureau estimates.

What a personal loan costs in Chateaugay

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

New York lending rules that apply in Chateaugay

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.

RuleDetailSource
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 statusIllegal 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 licensingLicensed 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 regulatorNew 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 Chateaugay

Run through this list before signing anything in Chateaugay:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in New York using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Chateaugay?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Chateaugay are the same as elsewhere in New York.
How much can I borrow with a personal loan in Chateaugay?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Chateaugay require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Chateaugay hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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