Poultney at a glance
- Population: 1,098 — 18th in Vermont, which has 40 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,095 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 0.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Vermont places: 18th largest of 40 (US Census Bureau).
- Size percentile: about 55% of Vermont's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.5178, -73.2360.
- Nearest larger cities within 120 miles: Granville, NY (7 mi); Whitehall, NY (10 mi); Rutland, VT (14 mi); Hudson Falls, NY (23 mi); Fort Edward, NY (24 mi) (US Census Bureau).
- Smaller places close by: Fort Ann, NY (15 mi); Argyle, NY (23 mi); Lake George, NY (25 mi) (US Census Bureau).
What a personal loan costs in Poultney
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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.
Vermont lending rules that apply in Poultney
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 |
|---|---|---|
| Payday lending status | Prohibited — payday loans (postdated check lending) are explicitly banned in Vermont Source says: Payday loans (loans contingent on a postdated payment instrument) are explicitly banned. | Vermont Attorney General as of 2026-09-16 |
| Small-loan / installment lender licensing | Lender license required from the Commissioner (8 V.S.A. ch. 73, § 2201) Source says: Without first obtaining a license under this chapter from the Commissioner, a person shall not | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
| State lending regulator | Vermont Department of Financial Regulation (DFR), Banking Division Source says: The Banking Division regulates the below listed non-depository financial services. | Vermont Department of Financial Regulation (DFR) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum general legal rate; 18% permitted for certain single-payment loans by regulated lenders (9 V.S.A. § 41a) Source says: the rate of interest or the sum allowed for forbearance or use of money shall be 12 percent per annum computed by the actuarial method | Vermont General Assembly (Vermont Statutes Online) as of 2026-09-16 |
How to compare offers in Poultney
Here is a short checklist for comparing personal loans in Poultney:
- 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 Vermont using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.