Personal loans in Coxsackie, NY

A personal loan in Coxsackie is priced from your credit file and income, not from the fact that the city holds 2,717 people. Coxsackie lost roughly 1.1% of its population across the 2020-to-2023 comparison. The Census counts 2,717 people in Coxsackie, the 255th-largest figure among New York's 595 places. Price two or three terms so you can see which payment is truly affordable in Coxsackie. Lenders active in Coxsackie report to a New York supervisor, identified in the sourced rows below. The closest larger city is Hudson, NY about 7 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Coxsackie data picture

Most of what governs a Coxsackie loan is written in New York law rather than in the city; the sourced notes below make that split concrete.

New York rules behind a Coxsackie personal loan

This table holds the New York rate and licensing rules for consumer loans made to Coxsackie's 2,717 residents.

RuleDetailSource
State lending regulatorNew 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
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 statusIllegal 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

Coxsackie in state context

Against New York's other places, Coxsackie accounts for about 0.0% of the state's population and ranks 255th of 595 by size. Its 2020-to-2023 change ranks 229th of 595 New York places, putting it near the 62th percentile for growth. By density, at about 1,252 people per square mile, it ranks 355th in New York. Within 50 miles sit 36 smaller Census places, alongside the 26 that are larger.

What is available to Coxsackie borrowers

Coxsackie is moderately settled, with about 1,252 people per square mile and 26 larger places within 50 miles. Whether Coxsackie has a local branch or not, a New York-licensed lender can serve its 2,717 people online on the same terms. The nearest bigger place is Hudson, NY about 7 miles away.

How personal loans work in Coxsackie

Most loans made to Coxsackie's 2,717 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Coxsackie lender to disclose the APR and finance charge before you sign. Shortening the term on a Coxsackie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Coxsackie sits

Inside Coxsackie's boundaries lie roughly 2.2 square miles of land and 0.42 square miles of water. That land carries about 1,252 people per square mile. The state's population centre of gravity, New York, is roughly 117 miles away. Coxsackie has 26 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Coxsackie if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Coxsackie is the same as anywhere in New York.
What loan size can I expect in Coxsackie?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Coxsackie?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Coxsackie cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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