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Personal loans in Port Jervis, NY

Two households in Port Jervis with comparable incomes can still be offered different rates; the city's 8,565 residents are not the reason. The Census estimates 8,565 residents in Port Jervis, which ranks it 101st of 595 places in New York. Port Jervis shed about 2.3% of its population between the 2020 base and the 2023 estimate. For the 8,565 people in Port Jervis, New York runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Judge Port Jervis offers on total cost, not on how quickly the money arrives. For a bigger market, look to Middletown, NY about 15 miles away.

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

Compare loan offers Run the numbers first

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 Port Jervis data picture

Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.

The geography behind Port Jervis

Port Jervis covers about 2.5 square miles of land, with 0.17 square miles of water inside its boundaries (Census Gazetteer). With 8,565 residents, the land area yields roughly 3,385 people per square mile. The largest place in New York, New York, lies about 63 miles away. Port Jervis has 76 larger places within a 50-mile radius. By land area it ranks 152nd of 595 New York places.

What is available to Port Jervis borrowers

At roughly 3,385 people per square mile, Port Jervis is fairly dense; 76 larger places lie within 50 miles. Distance to a branch rarely matters for Port Jervis's 8,565 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Middletown, NY about 15 miles away.

What to do before borrowing in Port Jervis

Before you apply in Port Jervis, a community of about 8,565, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the New York regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Port Jervis-specific: the same New York licensing and disclosure rules reach all 8,565 residents.

How Port Jervis compares across New York

Among New York's 595 places, Port Jervis sits at 101st for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Port Jervis stands 464th among New York's 595 places — roughly the 22th percentile. At about 3,385 people per square mile, Port Jervis is the 119th most densely settled place in New York. The population moved by about 202 people between 2020 and 2023, a 2.3% shift.

New York rules behind a Port Jervis personal loan

The rows below set out what a licensed lender must follow in New York, and so for Port Jervis's roughly 8,565 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
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
Compare personal loan offers Run the numbers first

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