Lowville at a glance
- Population: 3,327 residents, the 218th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 3,341 (US Census Bureau).
- 2020 to 2023 change: roughly 0.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 218th by size among 595 communities (US Census Bureau).
- Size percentile: it is larger than about 63% of the places in New York (US Census Bureau).
- Coordinates: 43.7866, -75.4878 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Watertown, NY (25 mi); Gouverneur, NY (38 mi); Rome, NY (39 mi); Whitesboro, NY (47 mi); Utica, NY (49 mi) (US Census Bureau).
- Smaller towns nearby: Castorland, NY (7 mi); Croghan, NY (9 mi); Turin, NY (12 mi) (US Census Bureau).
What a personal loan costs in Lowville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Lowville
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 Lowville
The order below is a sensible way to approach a loan in Lowville:
- 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.