Loans in New York County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for New York County, NY.
The median household in New York County earns $103,931 a year, 21% above the New York median of $85,974. About 16% of residents live below the federal poverty line, and 74.9% of households rent their home.
What you need for a personal loan in New York County
Lenders that serve New York County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in New York County
What New York County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in New York County
Payday Loans Not available
Payday loans are illegal in New York under both civil and criminal usury laws.
Personal Loans
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
Title Loans Not available
New York has no title-lending law.
Banks and credit unions in New York County
Banks with branches in New York County
513 FDIC-insured bank branches from 87 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 116 | 410 Park Ave, New York City 10022 |
| Citibank, National Association | 63 | 1107 Broadway, New York City 10010 |
| TD Bank, National Association | 50 | 2521 Broadway, New York 10025 |
| Bank of America, National Association | 49 | 550 5th Ave, New York 10036 |
| Wells Fargo Bank, National Association | 29 | 545 Madison Ave, New York 10022 |
| Citizens Bank, National Association | 21 | 250 W 57th St, New York 10107 |
| Apple Bank | 14 | 10 Downing St, New York 10014 |
| Santander Bank, N.A. | 11 | 420 Lexington Ave, New York 10170 |
| Capital One, National Association | 11 | 49th & Madison Avenue, New York 10022 |
| Valley National Bank | 10 | 450 Broadway, New York 10013 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in New York County
46 credit-union locations from 33 credit unions.
| Credit union | Location |
|---|---|
| New York University | 726 Broadway Ste 110, New York 10003 |
| Neighborhood Trust | 1112 Saint Nicholas Ave, New York 10032 |
| Pentagon | 131 W 33Rd St, New York 10001 |
| Municipal | 86 Chambers St, New York 10007 |
| Fourleaf | 111 W 26Th St, New York 10001 |
| United Nations | 2 United Nations Plz Fl 3, New York 10017 |
| Justice | 290 Broadway Fl 10, New York 10007 |
| Self Reliance Financial | 108 2Nd Ave, New York 10003 |
| Actors | 165 W 46Th St, New York 10036 |
| I Am | 498 Fashion Ave Fl 2, New York 10018 |
| The Finest | 215 Park Row, New York 10038 |
| Xcel | 26 Federal Plz Fl 31, New York 10278 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in New York County
All New York counties and cities
Frequently asked questions
Are payday loans legal in New York County?
New York County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in New York County?
New York has no title-lending law.
Where can I get a small loan in New York County?
Options include 513 bank and 46 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in New York County?
Fill out our short online form from anywhere in New York County. We share it with lenders in our network that serve New York; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in New York County, NY?
You can apply at banks, credit unions and lenders in New York County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve New York residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in New York County?
Yes. You don't need to visit a branch or storefront anywhere in New York County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve New York. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in New York County?
Yes. When an unexpected bill comes up, New York County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in New York County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. New York County residents can start any time, and it takes about 3 minutes.