Kingston at a glance
- Population: 23,777 (US Census Bureau, Vintage 2023 subcounty estimate), the 39th-largest of 595 places in New York.
- 2020 Census base: the 2020 count put the population at 24,062 (US Census Bureau).
- 2020 to 2023 change: down about 1.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 39th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 93% of New York's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 41.9301, -73.9968 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Poughkeepsie, NY (17 mi); Newburgh, NY (30 mi); Middletown, NY (40 mi); Kiryas Joel, NY (42 mi); Peekskill, NY (45 mi) (US Census Bureau).
- Smaller places nearby: Rhinebeck, NY (4 mi); Red Hook, NY (8 mi); Tivoli, NY (10 mi), per US Census Bureau estimates.
What a personal loan costs in Kingston
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New York lending rules that apply in Kingston
Read the table as the compliance picture for a lender serving Kingston: label, sourced figure, publisher and date.
| 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 Kingston
The steps below are worth completing first when you borrow in Kingston:
- 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.