Personal loans in Delevan, NY

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Delevan's 1,032 residents. The roughly 1,032 people who live in Delevan borrow under New York rules; city hall sets no personal-loan rate.

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.

About 1,032 people live in Delevan, placing it 411th of 595 Census places in New York. Delevan lost roughly 2.6% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Delevan residents before they take on more. The nearest larger metro is Arcade, NY about 3 miles away.

Where Delevan stands

Here is the sourced Census picture for Delevan, plus the New York lending rules that apply to a loan taken out here.

What New York law requires in Delevan

Every row below records a New York rule, its publisher and its retrieval date — the same rules a Delevan lender must follow.

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
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

Where Delevan sits in New York

Set beside New York's 595 places, Delevan ranks 411th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Delevan stands 512th among New York's 595 places — roughly the 14th percentile. By density, at about 1,038 people per square mile, it ranks 395th in New York. The population moved by about 28 people between 2020 and 2023, a 2.6% shift.

What to do before borrowing in Delevan

Before you hand your details to a lender in Delevan, where the population is near 1,032:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the New York regulator's licence list.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Delevan-specific: the same New York licensing and disclosure rules reach all 1,032 residents.

Delevan on the map

Inside Delevan's boundaries lie about 1.0 square miles of land, with no significant water area recorded. Spread across it are roughly 1,038 residents per square mile. New York, the largest place in New York, is about 266 miles from Delevan. A 50-mile radius around Delevan takes in 59 places that are larger. The 100-mile radius contains 139 larger places.

Borrowing reach in Delevan

At roughly 1,038 people per square mile, Delevan is moderately settled; 59 larger places lie within 50 miles. Distance to a branch rarely matters for Delevan's 1,032 residents: the application is online and the price follows your credit file. The nearest bigger place is Arcade, NY about 3 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 Delevan 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 Delevan is the same as anywhere in New York.
What loan size can I expect in Delevan?
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 Delevan?
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 Delevan 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.

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