Finding a personal loan in New York has never been easier. Whether you're in New York City, Buffalo, Rochester or anywhere across New York, you can compare rates from 7.00%–25.00% APR across 500+ lenders — completely free with no credit score impact.
| Lender | APR Range | Loan Amount | Min. Credit | Available in NY |
|---|---|---|---|---|
| 🏆 SoFi Best APR | 8.99%–29.99% | $5K–$100K | 680+ | ✅ Yes |
| Marcus by Goldman | 6.99%–24.99% | $3.5K–$40K | 660+ | ✅ Yes |
| ⭐ LightStream Best for Good Credit | 7.49%–25.99% | $5K–$100K | 660+ | ✅ Yes |
| Upstart | 7.80%–35.99% | $1K–$50K | 300+ | ✅ Yes |
| Avant | 9.95%–35.99% | $2K–$35K | 580+ | ✅ Yes |
| LendingClub | 9.57%–35.99% | $1K–$40K | 600+ | ✅ Yes |
New York caps interest at 25% APR; payday loans are banned.
We analyze APR, fees, loan amounts, and availability specifically for New York residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
Our comparison service is always free for New York consumers. We earn referral fees from providers — you pay nothing.
Our New York data is refreshed every month to reflect current rates, offers, and lender availability in your state.
Personal loan rates in New York typically range from 7.00%–25.00% APR depending on your credit score and loan amount. Borrowers with excellent credit (720+) qualify for the lowest rates.
New York caps interest at 25% APR; payday loans are banned.
Most lenders in New York require a minimum credit score of 580–660 for personal loans. Some lenders like Upstart accept scores as low as 300. A higher score (720+) will get you the best rates.
Most online lenders approve personal loan applications in New York within 1 business day. Funds are typically deposited in 1–3 business days after approval.