Plattsburgh at a glance
- Population: roughly 19,867 people; 44th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 19,837 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 0.2% higher than at the 2020 Census (US Census Bureau).
- Rank among New York places: 44th of the state's 595 Census places (US Census Bureau).
- Size percentile: about 93% of New York's Census places are smaller (US Census Bureau).
- Coordinates: 44.6920, -73.4583 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Burlington, VT (18 mi); South Burlington, VT (22 mi); Saratoga Springs, NY (113 mi), each a US Census place with its estimated population.
- Nearest smaller places: Dannemora, NY (13 mi); Winooski, VT (19 mi); St. Albans, VT (20 mi) (US Census Bureau estimates).
What a personal loan costs in Plattsburgh
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New York lending rules that apply in Plattsburgh
Each row below is a New York rule with its publisher and the date it was retrieved.
| 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 Plattsburgh
These steps are the ones that most affect the offer you receive in Plattsburgh:
- 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.