Heuvelton at a glance
- Population: 720, the 473rd-largest community in New York out of 595 (US Census Bureau, Vintage 2023).
- 2020 Census base: 720 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among New York places: the 473rd-largest of 595 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 21% of the Census places in New York (US Census Bureau).
- Coordinates: 44.6164 latitude, -75.4000 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Ogdensburg, NY (7 mi); Canton, NY (12 mi); Gouverneur, NY (20 mi); Waddington, NY (20 mi); Potsdam, NY (21 mi) (US Census Bureau populations).
- Smaller places nearby: Rensselaer Falls, NY (4 mi); Richville, NY (14 mi); Hammond, NY (19 mi), per US Census Bureau estimates.
What a personal loan costs in Heuvelton
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New York lending rules that apply in Heuvelton
The table carries the New York rate and licensing rules that apply to consumer loans made in Heuvelton.
| 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 Heuvelton
A few practical steps will make the process in Heuvelton less costly:
- 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.