Middleville at a glance
- Population: 428, the 541st-largest community in New York out of 595 (US Census Bureau, Vintage 2023).
- 2020 Census base: 434 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 1.4% since the 2020 count (US Census Bureau).
- Rank among New York places: 541st-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 9% of the places in New York (US Census Bureau).
- Coordinates: 43.1389, -74.9702 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Newport, NY (4 mi); Poland, NY (8 mi); Herkimer, NY (8 mi); Frankfort, NY (9 mi); Little Falls, NY (9 mi); US Census Bureau population estimates.
- Nearest smaller communities: Cold Brook, NY (8 mi); Holland Patent, NY (16 mi); Remsen, NY (17 mi) (Census populations).
What a personal loan costs in Middleville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New York lending rules that apply in Middleville
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Middleville
A few practical steps will make the process in Middleville 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.