Dansville at a glance
- Population: about 4,346, 186th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 4,437 (US Census Bureau).
- 2020 to 2023 change: about 2.1% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 186th of the state's 595 Census places (US Census Bureau).
- Size percentile: it is larger than about 69% of the places in New York (US Census Bureau).
- Coordinates: 42.5625, -77.6969 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hornell, NY (16 mi); Geneseo, NY (17 mi); Alfred, NY (22 mi); Bath, NY (25 mi); Canandaigua, NY (31 mi) (US Census Bureau).
- Smaller places nearby: Wayland, NY (5 mi); Canaseraga, NY (8 mi); Cohocton, NY (11 mi), per US Census Bureau estimates.
What a personal loan costs in Dansville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Dansville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dansville
Before you commit to a personal loan in Dansville, work through these steps:
- 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.