Kaser at a glance
- Population: about 5,699 residents, ranking 154th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 5,468 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 4.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: 154th of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 74% of places in New York are smaller (US Census Bureau).
- Coordinates: 41.1213 / -74.0686, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Spring Valley, NY (1 mi); Airmont, NY (2 mi); New Square, NY (2 mi); Wesley Hills, NY (3 mi); Chestnut Ridge, NY (3 mi) (US Census Bureau).
- Smaller places close by: New Hempstead, NY (2 mi); Montebello, NY (2 mi); Pomona, NY (5 mi) (US Census Bureau).
What a personal loan costs in Kaser
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New York lending rules that apply in Kaser
The New York rate caps and licensing rules that reach Kaser are listed below, each with its source and retrieval date.
| 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 Kaser
These steps are the ones that most affect the offer you receive in Kaser:
- 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.