New York (NY) lender directory
Installment Loans in New York
Looking for a lender near you in New York? Pick your city below. We list 30 stores in 30 New York cities, built from lenders' own store pages. Data last checked October 9, 2026.
Payday loans in New York: over 25% is criminal usury →
Title loans in New York: over 25% is criminal usury →
Lenders by city
Top cities
- Lenders in Auburn 1
- Lenders in Batavia 1
- Lenders in Canandaigua 1
- Lenders in Depew 1
- Lenders in Dunkirk 1
- Lenders in Elmira 1
- Lenders in Fishkill 1
- Lenders in Hauppauge 1
- Lenders in Johnson City 1
- Lenders in Johnstown 1
- Lenders in Kingston 1
- Lenders in Latham 1
All 30 cities A–Z
A
- Auburn 1
B
- Batavia 1
C
D
E
- Elmira 1
F
- Fishkill 1
H
J
K
- Kingston 1
L
- Latham 1
M
- Massena 1
- Melville 1
- Middletown 1
N
- Nanuet 1
- New Hartford 1
O
P
R
- Rensselaer 1
- Riverhead 1
- Rochester 1
S
- Schenectady 1
- Sidney 1
T
W
Y
- Yonkers 1
Lending rules in New York
General rules
- Charging interest above 25 percent a year is criminal usury in the second degree, a class E felony, unless the lender is authorized or permitted by law to do so. Source: N.Y. Penal Law § 190.40 · verified Oct 9, 2026
- The maximum civil rate of interest is 16 percent a year, and the rate counts all amounts paid directly or indirectly to the lender for the loan. Source: N.Y. Banking Law § 14-a(1)-(2) · verified Oct 9, 2026
- No one may engage in the business of cashing checks, drafts or money orders for a consideration without a DFS license. Source: N.Y. Banking Law § 367(1) · verified Oct 9, 2026
Installment and consumer finance loans
- A lender needs a DFS license to make loans of $25,000 or less to an individual for personal, family, household or investment purposes at a rate above what an unlicensed lender may charge. Source: N.Y. Banking Law § 340 · verified Oct 9, 2026
Lenders in New York are licensed by the New York State Department of Financial Services (DFS). See also online lenders and apps in New York.
Questions people ask
Are payday loans legal in New York?
We list no payday loan stores in New York. Charging interest above 25 percent a year is criminal usury in the second degree, a class E felony, unless the lender is authorized or permitted by law to do so (N.Y. Penal Law § 190.40).
How many installment lenders are in New York?
We list 30 installment lenders in New York, in 30 cities.
Which New York cities have the most lenders?
Auburn (1), Batavia (1), Canandaigua (1), Depew (1) and Dunkirk (1).
How do I check a lender's license in New York?
Lenders in New York are licensed by the New York State Department of Financial Services (DFS). Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- OneMain Financial branches (NY) · 30 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API), NY · 3 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- N.Y. Penal Law § 190.40 · General rules Last verified Oct 9, 2026 · high confidence
- N.Y. Banking Law § 14-a(1)-(2) · General rules Last verified Oct 9, 2026 · high confidence
- N.Y. Banking Law § 367(1) · General rules Last verified Oct 9, 2026 · high confidence
- N.Y. Banking Law § 340 · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.