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Personal loans in Port Jervis, NY

In Port Jervis, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census data place Port Jervis's population near 8,565, the 101st-largest among New York's 595 Census places. Every lender serving New York must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Port Jervis at a glance

  • Population: the Census estimates 8,565 residents, ranking 101st of 595 places in New York (Vintage 2023).
  • 2020 Census base: 8,767 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: down about 2.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among New York places: 101st in population of 595 places (US Census Bureau).
  • Size percentile: about 83% of places in New York are smaller (US Census Bureau).
  • Coordinates: 41.3780, -74.6908 (US Census Bureau Gazetteer).
  • Nearest larger cities: Middletown, NY (15 mi); Monroe, NY (27 mi); Kiryas Joel, NY (27 mi); Ringwood, NJ (29 mi); Hopatcong, NJ (29 mi); each population is a US Census Bureau estimate.
  • Smaller towns nearby: Matamoras, PA (1 mi); Milford, PA (7 mi); Unionville, NY (9 mi) (US Census Bureau).

What a personal loan costs in Port Jervis

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

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.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

New York lending rules that apply in Port Jervis

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.

RuleDetailSource
Small-loan / installment lender licensingLicensed 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 regulatorNew 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 statusIllegal 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

How to compare offers in Port Jervis

Before you commit to a personal loan in Port Jervis, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in New York using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Port Jervis?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Port Jervis are the same as elsewhere in New York.
How much can I borrow with a personal loan in Port Jervis?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Port Jervis require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Port Jervis hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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