New York borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in New York look different than in neighboring states. We route New York applications only to lenders and brokers licensed by the New York State Department of Financial Services, so the offers you see are ones you can actually take.
How lending in New York is different
New York's median household income is $81,386 — one of the higher household-income states in the country — and the typical home price of $460,000 sits close to the $350,000 national midpoint. On our platform, the average funded loan in New York runs about $22,100, with mortgage loans as the most requested product across New York, Buffalo, and the rest of the state.
Civil usury 16%, criminal usury 25%; financial institutions and licensed lenders have exemptions. The New York State Department of Financial Services (NYDFS) supervises consumer lenders operating in New York, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 New York offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in New York or Buffalo, ask about local down-payment assistance — New York programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
New York at a glance
Local market data we use to calibrate matches for borrowers in New York.
What a real New York offer looks like
Illustrative math using New York's median home price, our average funded loan size in NY, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near New York at $460,000
A 20% down, 30-year fixed at ~6.75% APR on the New York median home price puts principal & interest around $2,387/mo. Local NY down-payment assistance can stack on top.
See New York mortgage offersTypical $22,100 funded loan in NY
Our average funded personal loan for a New York borrower runs about $22,100 over 4 years. At 11.9% APR that's roughly $581/mo — with rate ceilings enforced by the NYDFS.
Check my New York rateConsolidating ~$24,416 of high-rate debt
Rolling roughly 30% of the New York median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $513/mo — a common NY refinance path.
Match a New York lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in New York are supervised by the New York State Department of Financial Services.
Every loan type available in New York
Our marketplace covers every major loan product for New York residents. Each match is from a lender licensed by the NYDFS to operate in NY.
See your real New York offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the NYDFS — with APR, monthly payment, and fees shown upfront.
- New York-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to NY market
Lending rules in New York
New York consumer lenders are supervised by the New York State Department of Financial Services. Every match we send you comes with the lender's active NY license number.
Civil usury 16%, criminal usury 25%; financial institutions and licensed lenders have exemptions.
- Pre-qualification uses a soft credit pull — your NY credit file is not affected.
- We never sell New York borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to New York DTI norms and the local $460,000 home-price market.
Informational only — not legal or financial advice. NY rate caps and regulations change; confirm details with the New York State Department of Financial Services.
Top New York cities we serve
Don't see your city? We serve every ZIP code in New York.
Questions New York borrowers ask
+What loan types are available in New York?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for New York residents. Every match is routed to a lender licensed by the New York State Department of Financial Services.
+Are the lenders on this site licensed in New York?
Yes. We only forward your request to partners that hold an active NY license with the New York State Department of Financial Services (NYDFS). Their NMLS or state license number appears with every offer.
+What are the New York interest-rate rules I should know about?
Civil usury 16%, criminal usury 25%; financial institutions and licensed lenders have exemptions. This affects what a lender can legally charge you in NY on non-bank consumer loans.
+Does checking rates affect my credit score in New York?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the New York lender you choose to move forward with will run a hard pull.
+How much do borrowers in New York typically request?
The average funded consumer loan on our platform in New York is about $22,100. Popular products in NY are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$460,000 median home price.
+Do you serve borrowers outside of New York?
Yes — every ZIP code in New York is covered. Whether you're in New York or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your New York rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in NY — never a mystery list.
- Match to a New York-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees