Fulton at a glance
- Population: roughly 11,248 people; 76th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 11,388 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.2% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 76th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 87% of New York's Census places are smaller (US Census Bureau).
- Coordinates: 43.3192, -76.4197 (US Census Bureau Gazetteer).
- Nearest larger cities: Oswego, NY (10 mi); Syracuse, NY (24 mi); Auburn, NY (28 mi); Geneva, NY (42 mi); Rome, NY (47 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Hannibal, NY (8 mi); Phoenix, NY (9 mi); Baldwinsville, NY (12 mi) (US Census Bureau).
What a personal loan costs in Fulton
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
New York lending rules that apply in Fulton
The table lists the New York rules that apply to a loan made in Fulton, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fulton
The steps below are worth completing first when you borrow in Fulton:
- 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.