Whitney Point at a glance
- Population: a Census-estimated 901, placing it 439th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 928 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.9% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 439th of the state's 595 Census places (US Census Bureau).
- Size percentile: about 26% of places in New York are smaller (US Census Bureau).
- Coordinates: it sits at 42.3306, -75.9716 in the US Census Bureau Gazetteer.
- Nearest larger cities: Greene, NY (10 mi); Newark Valley, NY (13 mi); Port Dickinson, NY (14 mi); Johnson City, NY (14 mi); Binghamton, NY (16 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Lisle, NY (2 mi); Marathon, NY (9 mi); Candor, NY (20 mi) (US Census Bureau).
What a personal loan costs in Whitney Point
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Whitney Point
The table lists the New York rules that apply to a loan made in Whitney Point, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Whitney Point
These steps are the ones that most affect the offer you receive in Whitney Point:
- 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.