Personal loans in St. James, NY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. James, NY.
The median household in St. James earns $142,368 a year, 66% above the New York median of $85,974. About 3% of residents live below the federal poverty line, and 12.3% of households rent their home.
New York law that applies in St. James
| 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 St. James
Here's what to have on hand before you start your personal loan request in St. James:
- 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 St. James
What St. James borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in St. James
- 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 Suffolk County
311 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 64 | 115 E Main St, Patchogue 11772 |
| Manufacturers and Traders Trust Company | 36 | 1 E Main St, Smithtown 11787 |
| Bank of America, National Association | 30 | 499 Old Country Rd, Riverhead 11901 |
| Dime Commercial Bank | 28 | 898 Veterans Memorial Hwy, Hauppauge 11788 |
| TD Bank, National Association | 25 | 949 Horseblock Rd, Farmingville 11738 |
| Citibank, National Association | 18 | 241 Broadway, Amityville 11701 |
| ConnectOne Bank | 18 | 711 Fort Salonga Rd, Northport 11768 |
| Flagstar Bank, National Association | 16 | 1501 Deer Park Ave, North Babylon 11703 |
| Santander Bank, N.A. | 15 | 526 Union Blvd, West Islip 11795 |
| Capital One, National Association | 14 | 172 Montauk Hwy, Speonk 11972 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Suffolk County
76 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Teachers | 5439 Sunrise Hwy, Holbrook 11741 |
| Medisys Employees | 80 Marcus Dr, Melville 11747 |
| Fourleaf | 591 E Main St, Bay Shore 11706 |
| Jovia Financial | 40 Veterans Memorial Hwy, Commack 11725 |
| Polish & Slavic | 314 Great Neck Rd, Copiague 11726 |
| Suffolk | 3681 Horseblock Rd, Medford 11763 |
| Island | 120 Motor Pkwy, Hauppauge 11788 |
| People'S Alliance | 125 Wireless Blvd, Hauppauge 11788 |
| Self Reliance Financial | 225 N 4Th St, Lindenhurst 11757 |
| Nassau Financial | 2263 Broadhollow Rd, Farmingdale 11735 |
| N Y Team | 4155 Veterans Memorial Hwy Ste 7, Ronkonkoma 11779 |
| Long Island Alliance | 250 Veterans Hwy, Hauppauge 11788 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Suffolk County ·
Frequently asked questions
Can I get a personal loan with bad credit in St. James?
Possibly. Lenders in our network consider applicants with fair and bad credit across New York, including St. James. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in St. James, NY?
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
How fast can I get a personal loan in St. James?
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.
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 St. James with our free 3-minute form.
Can I get a personal loan in St. James with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. St. James residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in St. James?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. St. James residents can see installment loan offers with our free 3-minute form.
Where can I find a loan for bad credit in St. James?
You can apply at local banks and lenders in St. James, 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 St. James?
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. St. James residents can see if they qualify in about 3 minutes.
Do I need to visit a store in St. James?
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.