Kinderhook at a glance
- Population: a Census-estimated 1,153, placing it 396th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,179 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: the 396th-largest of 595 (US Census Bureau, 2023 estimate).
- Size percentile: about 33% of New York's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.3944, -73.7038 by the US Census Bureau Gazetteer.
- Nearest larger cities: Valatie, NY (2 mi); Chatham, NY (6 mi); Coxsackie, NY (6 mi); Ravena, NY (8 mi); Castleton-on-Hudson, NY (10 mi); US Census Bureau population estimates.
- Smaller places nearby: Nassau, NY (10 mi); East Nassau, NY (14 mi); Tivoli, NY (26 mi), per US Census Bureau estimates.
What a personal loan costs in Kinderhook
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.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New York lending rules that apply in Kinderhook
The table carries the New York rate and licensing rules that apply to consumer loans made in Kinderhook.
| 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 Kinderhook
These steps are the ones that most affect the offer you receive in Kinderhook:
- 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.