New York Personal Loans
Compare personal loan rates from lenders serving New York (NY). Find the best rates and terms for your needs.
Personal Loans in New York
New York has a civil usury cap of 16% and criminal usury cap of 25% APR. This means New York borrowers enjoy some of the lowest maximum rates in the country.
Max APR
25%
Avg. Loan
$14,000
Regulated By
New York Department of Financial Services
Popular Loan Purposes in New York
Top Lenders in New York
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
New York Loan FAQs
New York has a maximum APR of 25% for consumer loans. New York has a civil usury cap of 16% and criminal usury cap of 25% APR. This means New York borrowers enjoy some of the lowest maximum rates in the country.
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