Delhi at a glance
- Population: 3,159 residents, the 224th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,787 (US Census Bureau).
- 2020 to 2023 change: about 13.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among New York places: 224th largest of 595 (US Census Bureau).
- Size percentile: about 62% of places in New York are smaller (US Census Bureau).
- Coordinates: latitude 42.2774, longitude -74.9155 (US Census Bureau Gazetteer).
- Nearest larger cities: Oneonta, NY (14 mi); Sidney, NY (25 mi); Liberty, NY (34 mi); Cobleskill, NY (35 mi); Norwich, NY (36 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Walton, NY (13 mi); Franklin, NY (14 mi); Hobart, NY (14 mi), per US Census Bureau estimates.
What a personal loan costs in Delhi
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Delhi
Each row below is a New York rule with its publisher and the date it was retrieved.
| 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 Delhi
The order below is a sensible way to approach a loan in Delhi:
- 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.