Personal loans in Manlius, NY

Manlius is a small community in New York, with an estimated 4,593 residents, and every licensed lender here follows the same state rulebook.

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.

Rate-shopping from Manlius costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Roughly 4,593 residents live in Manlius, the 180th-largest community in New York. Lenders active in Manlius report to a New York supervisor, identified in the sourced rows below. The trend for Manlius between 2020 and 2023 is downward by roughly 2.3%. The closest larger place is Chittenango, NY about 6 miles away.

Local context for Manlius

Manlius is a small community; the notes below cover its population profile and the statewide rules that apply.

Which New York laws govern a loan in Manlius

New York has no separate rate rule for Manlius; the sourced rows below are what reach every lender that serves its 4,593 people.

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
Small-loan / installment lender licensingLicensed 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
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

Manlius: area, density and distance

Inside Manlius's boundaries lie about 1.8 square miles of land, with no significant water area recorded. The resulting density is about 2,522 people per square mile. New York, the largest place in New York, is about 193 miles from Manlius. Within 50 miles of Manlius there are 17 larger Census places. By land area it ranks 233rd of 595 New York places.

Manlius in state context

Manlius is the 180th-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 461st of 595 New York places, putting it near the 23th percentile for growth. By density, at about 2,522 people per square mile, it ranks 180th in New York. Within 50 miles sit 84 smaller Census places, alongside the 17 that are larger.

Inside a Manlius personal loan

Most loans made to Manlius's 4,593 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Manlius loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Manlius loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Manlius

At roughly 2,522 people per square mile, Manlius is fairly dense; 17 larger places lie within 50 miles. Distance to a branch rarely matters for Manlius's 4,593 residents: the application is online and the price follows your credit file. The nearest bigger place is Chittenango, NY about 6 miles away.

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 Manlius 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 Manlius is the same as anywhere in New York.
What loan size can I expect in Manlius?
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 Manlius?
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 Manlius 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

Related