Fultonville at a glance
- Population: 760 — 466th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 748 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: the 466th-largest of 595 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 22% of New York's Census places by population (US Census Bureau).
- Coordinates: 42.9462 / -74.3698, per the US Census Bureau Gazetteer.
- Nearest larger cities: Johnstown, NY (4 mi); Gloversville, NY (7 mi); Amsterdam, NY (9 mi); Canajoharie, NY (11 mi); Palatine Bridge, NY (11 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Fonda, NY (1 mi); Fort Johnson, NY (7 mi); Nelliston, NY (12 mi) (US Census Bureau estimates).
What a personal loan costs in Fultonville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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 Fultonville
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fultonville
Before you commit to a personal loan in Fultonville, 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.