Glen Park at a glance
- Population: about 445, 538th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 448 (US Census Bureau).
- 2020 to 2023 change: down roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 538th by size among 595 communities (US Census Bureau).
- Size percentile: roughly 10% of places in New York rank below it by population (US Census Bureau).
- Coordinates: mapped at 44.0031, -75.9584 by the US Census Bureau Gazetteer.
- Nearest larger cities: Brownville, NY (1 mi); Watertown, NY (3 mi); Dexter, NY (4 mi); Black River, NY (8 mi); Sackets Harbor, NY (9 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Deferiet, NY (14 mi); Mannsville, NY (20 mi); Ellisburg, NY (20 mi), each a US Census place.
What a personal loan costs in Glen Park
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Glen Park
The table lists the New York rules that apply to a loan made in Glen Park, each with the regulator that published it.
| 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 Glen Park
Run through this list before signing anything in Glen Park:
- 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.