Greene at a glance
- Population: 1,434 residents, the 366th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,501 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 4.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 366th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 38% of places in New York rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.3301, -75.7677.
- Nearest larger cities: Port Dickinson, NY (15 mi); Johnson City, NY (17 mi); Binghamton, NY (17 mi); Norwich, NY (19 mi); Sidney, NY (19 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Whitney Point, NY (10 mi); Oxford, NY (12 mi); Lisle, NY (12 mi) (US Census Bureau).
What a personal loan costs in Greene
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Greene
The table lists the New York rules that apply to a loan made in Greene, each with the regulator that published it.
| 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 Greene
Here is a short checklist for comparing personal loans in Greene:
- 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.