Tivoli at a glance
- Population: about 1,012, 412th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,022 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 1.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 412th by size among 595 communities (US Census Bureau).
- Size percentile: about 31% of New York's Census places are smaller (US Census Bureau).
- Coordinates: 42.0545, -73.9172 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Saugerties, NY (2 mi); Red Hook, NY (5 mi); Rhinebeck, NY (9 mi); Kingston, NY (10 mi); Catskill, NY (11 mi) (US Census Bureau).
- Nearest smaller places: Tannersville, NY (15 mi); Hunter, NY (19 mi); Millerton, NY (22 mi) (US Census Bureau estimates).
What a personal loan costs in Tivoli
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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 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 Tivoli
The table lists the New York rules that apply to a loan made in Tivoli, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tivoli
Before you share your details with a lender in Tivoli:
- 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.