Personal loans in Newburgh, NY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Newburgh, NY.
The median household in Newburgh earns $56,960 a year, 34% below the New York median of $85,974. About 24% of residents live below the federal poverty line, and 65.2% of households rent their home. 11.1% of households have no home internet; our form works on any phone.
New York law that applies in Newburgh
| Rate cap | A licensed lender may charge more than the 16% civil usury rate allowed to unlicensed lenders, but loans above 25% a year are criminal usury. |
|---|---|
| License required | A license is needed to be in the business of making personal, family, household or investment loans of $25,000 or less (or business loans of $50,000 or less) at a rate above what an unlicensed lender may charge. |
| Loan sizes covered | Consumer loans of $25,000 or less; business and commercial loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in New York. Cities in New York cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Newburgh
Here's what to have on hand before you start your personal loan request in Newburgh:
- 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 Newburgh
What Newburgh borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Newburgh
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Newburgh
15 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Manufacturers and Traders Trust Company | 2 | 56 Route 17k, Newburgh 12550 |
| TD Bank, National Association | 1 | 800 Broadway, Newburgh 12550 |
| JPMorgan Chase Bank, National Association | 1 | 201 Auto Park Pl, Newburgh 12550 |
| Bank of America, National Association | 1 | 1414 Route 300, Newburgh 12550 |
| KeyBank National Association | 1 | 1228 Route 300, Newburgh 12550 |
| Citizens Bank, National Association | 1 | 1416 Route 300, Newburgh 12550 |
| Wells Fargo Bank, National Association | 1 | 43 N Plank Rd, Newburgh 12550 |
| NBT Bank, National Association | 1 | 801 Auto Park Pl, Newburgh 12550 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Newburgh
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Hudson Valley | 953 Route 300, Newburgh 12550 |
| Mid-Hudson Valley | 1433 Route 300, Newburgh 12550 |
| Heritage Financial | 2 Corwin Ct, Newburgh 12550 |
| Teg | 16 N Plank Rd Ste 105, Newburgh 12550 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Orange County ·
Frequently asked questions
Can I get a personal loan with bad credit in Newburgh?
Possibly. Lenders in our network consider applicants with fair and bad credit across New York, including Newburgh. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Newburgh, NY?
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
How fast can I get a personal loan in Newburgh?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in Newburgh?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Newburgh.
Where can I find a loan for bad credit in Newburgh?
You can apply at local banks and lenders in Newburgh, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get an emergency loan with bad credit in Newburgh?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Newburgh residents can see if they qualify in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Newburgh with our free 3-minute form.
Do I need to visit a store in Newburgh?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.