Personal loans in Tupper Lake, NY
The Census counts 3,328 people in Tupper Lake, the 217th-largest figure among New York's 595 places. In Tupper Lake, one of 595 Census places in New York, the figure to compare across lenders is the APR, not the advertised rate. If debt is already a strain, a nonprofit credit counsellor can help Tupper Lake residents before they take on more. Rate ceilings, licensing requirements and product limits for Tupper Lake are all set at the New York level. Population in Tupper Lake dropped about 1.5% over the three years from 2020 to 2023. The nearest larger city is Saranac Lake, NY about 18 miles away.
Tupper Lake: population, trend and location
What follows is Tupper Lake's place in the Census record, alongside the New York rules that govern a personal loan made here.
- Population: about 3,328 people live here, which puts Tupper Lake 217th of 595 Census places in New York (Vintage 2023).
- Population trend: Down about 1.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 52 residents lost between 2020 and 2023.
- Size percentile: about 64% of New York communities are smaller than Tupper Lake (3,328 residents).
- Population density: 1,592 people per square mile on 2.1 square miles of land.
- Land area: Tupper Lake covers 2.1 square miles, the 202nd-largest area among New York's 595 places.
- Water area rank: Tupper Lake ranks 204th among New York's 595 places, with 0.04 sq mi.
- State share: roughly 0.0% of New York's residents live in Tupper Lake (3,328 people).
- National rank: Tupper Lake is 5,965th of 19,457 places nationwide.
- Growth in New York: Tupper Lake stands 309th by percentage change from 2020 to 2023, among 595 places.
- Versus New York: the state average change is -1.1%, while Tupper Lake moved 1.5%.
- Density rank: Tupper Lake is the 284th most densely settled place in New York.
- Density in context: Tupper Lake's 1,592 people per square mile sit against a New York median of 1,515.
- Location: latitude 44.2298, longitude -74.4619 (Census Gazetteer).
- Nearest larger cities: Saranac Lake (18 mi); Potsdam (40 mi); Canton (43 mi); Malone (44 mi); Gouverneur (50 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places close by: Lake Placid (24 mi); Brushton (42 mi); Norwood (44 mi).
- Within a 50-mile radius: 8 smaller Census places.
- Larger places within 100 miles: 33.
A pre-application checklist for Tupper Lake
Before you hand your details to a lender in Tupper Lake, where the population is near 3,328:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the New York regulator's records to confirm the lender is licensed here.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
What differs between Tupper Lake and the rest of New York is not the process but the borrower's own file, among the 3,328 people here.
What New York law requires in Tupper Lake
This table holds the New York rate and licensing rules for consumer loans made to Tupper Lake's 3,328 residents.
| 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 |
Tupper Lake's place among New York's 595 places
Against New York's other places, Tupper Lake accounts for about 0.0% of the state's population and ranks 217th of 595 by size. On the 2020-to-2023 trend, Tupper Lake stands 309th among New York's 595 places — roughly the 48th percentile. Its roughly 1,592 residents per square mile place it 284th among New York's places. Within 50 miles sit 8 smaller Census places, alongside the 4 that are larger.
Tupper Lake on the map
The Census Gazetteer records 2.1 square miles of land and 0.04 square miles of water within Tupper Lake. Spread across it are roughly 1,592 residents per square mile. The largest place in New York, New York, lies about 248 miles away. Within 50 miles of Tupper Lake there are 4 larger Census places. By land area it ranks 202nd of 595 New York places.
What a Tupper Lake borrower is actually offered
In Tupper Lake, a small community of about 3,328, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Tupper Lake loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Tupper Lake loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Tupper Lake if my credit is poor?
What loan size can I expect in Tupper Lake?
Do I have to pledge anything to borrow in Tupper Lake?
Does comparing loans in Tupper Lake cost me credit score points?
Nearby places
- Saranac Lake, NY — population 4,871
- Lake Placid, NY — population 2,275
- Brushton, NY — population 435
- Malone, NY — population 5,400
- Speculator, NY — population 402
- Potsdam, NY — population 8,436
- Burke, NY — population 165
- Norwood, NY — population 1,544