Kiryas Joel at a glance
- Population: about 41,857 residents, ranking 17th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 32,951 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 27.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: 17th in population of 595 places (US Census Bureau).
- Size percentile: it exceeds roughly 97% of New York's Census places by population (US Census Bureau).
- Coordinates: mapped at 41.3407, -74.1673 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Paterson, NJ (29 mi); White Plains, NY (31 mi); Yonkers, NY (31 mi); Hackensack, NJ (32 mi); Clifton, NJ (33 mi) (US Census Bureau populations).
- Nearest smaller places: Monroe, NY (2 mi); South Blooming Grove, NY (2 mi); Harriman, NY (2 mi) (US Census Bureau estimates).
What a personal loan costs in Kiryas Joel
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New York lending rules that apply in Kiryas Joel
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Kiryas Joel
These steps are the ones that most affect the offer you receive in Kiryas Joel:
- 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.