Middleburgh at a glance
- Population: the Census estimates 1,164 residents, ranking 393rd of 595 places in New York (Vintage 2023).
- 2020 Census base: 1,141 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 2.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 393rd in population of 595 places (US Census Bureau).
- Size percentile: ahead of around 34% of New York places in population terms (US Census Bureau).
- Coordinates: 42.5980 / -74.3298, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Cobleskill, NY (10 mi); Altamont, NY (17 mi); Voorheesville, NY (20 mi); Canajoharie, NY (24 mi); Scotia, NY (25 mi) (US Census Bureau).
- Smaller places close by: Schoharie, NY (5 mi); Esperance, NY (12 mi); Richmondville, NY (12 mi) (US Census Bureau).
What a personal loan costs in Middleburgh
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Middleburgh
Read the table as the compliance picture for a lender serving Middleburgh: label, sourced figure, publisher and 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 Middleburgh
A few practical steps will make the process in Middleburgh less costly:
- 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.