Wilson at a glance
- Population: a Census-estimated 1,219, placing it 388th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,244 residents here (US Census Bureau).
- 2020 to 2023 change: down roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 388th of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 35% of New York places in population terms (US Census Bureau).
- Coordinates: it sits at 43.3147, -78.8284 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Youngstown, NY (12 mi); Lockport, NY (12 mi); Lewiston, NY (15 mi); Niagara Falls, NY (18 mi); North Tonawanda, NY (18 mi) (US Census Bureau).
- Nearest smaller towns: Barker, NY (14 mi); Lyndonville, NY (22 mi); Corfu, NY (33 mi) (US Census Bureau).
What a personal loan costs in Wilson
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our 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.
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 Wilson
The table lists the New York rules that apply to a loan made in Wilson, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wilson
The steps below are worth completing first when you borrow in Wilson:
- 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.