States › New York › Payday loan, title loan, personal loan, or advance loan
Who in New York is complaining aboutPayday loan, title loan, personal loan, or advance loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
New York consumers filed 732 complaints under “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 30 Sep 2026, up 54% on the 476 of the 12 months before. That is 3.70 per 100,000 residents, below the national 5.20.
The category makes up 0.2% of the state's complaints, against 0.3% nationally. 7.4% of closed complaints ended with monetary or non-monetary relief (5.6% nationally) and 95.8% of responses were timely.
Companies with the most Payday loan, title loan, personal loan, or advance loan complaints from New York, with their size
Ordered by complaints from New York consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NY, 12 months | Share | Company size |
|---|---|---|---|
| Affirm Holdings, Inc | 138 | 18.9% | no public measure |
| Klarna AB | 44 | 6% | no public measure |
| Block, Inc. | 34 | 4.6% | no public measure |
| SOFI TECHNOLOGIES, INC. | 26 | 3.6% | $57bn assets |
| OneMain Finance Corporation | 24 | 3.3% | no public measure |
| SYNCHRONY FINANCIAL | 18 | 2.5% | $115bn assets |
| ACIMA CREDIT, LLC | 17 | 2.3% | no public measure |
| UPGRADE, INC. | 16 | 2.2% | no public measure |
| MoneyLion Inc. | 15 | 2% | no public measure |
| Upstart Holdings, Inc. | 15 | 2% | no public measure |
| Solar Mosaic LLC | 14 | 1.9% | no public measure |
| CITIBANK, N.A. | 13 | 1.8% | $1.98tn assets |
| CHERRY TECHNOLOGIES INC. | 12 | 1.6% | no public measure |
| Paramount GR Holdings, LLC | 11 | 1.5% | no public measure |
| Zip Co US Inc. | 11 | 1.5% | no public measure |
| Marlette Funding, LLC | 10 | 1.4% | no public measure |
| Paypal Holdings, Inc | 10 | 1.4% | no public measure |
| SANTANDER HOLDINGS USA, INC. | 9 | 1.2% | $104bn assets |
| Kikoff Inc. | 9 | 1.2% | no public measure |
| TRUIST FINANCIAL CORPORATION | 9 | 1.2% | $548bn assets |
| All other companies, including those not listed by name | 277 | 37.8% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 5 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Problem when making payments | 159 | 21.7% |
| Charged fees or interest you didn't expect | 131 | 17.9% |
| Getting the loan | 86 | 11.7% |
| Problem with additional add-on products or services | 75 | 10.2% |
| Struggling to pay your loan | 51 | 7% |
| Problem with the payoff process at the end of the loan | 48 | 6.6% |
| Incorrect information on your report | 45 | 6.1% |
| Problem with a company's investigation into an existing problem | 25 | 3.4% |
| Getting a line of credit | 19 | 2.6% |
| Confusing or misleading advertising or marketing | 11 | 1.5% |
| Other CFPB issue categories | 82 | 11.2% |
How companies responded
- Closed with explanation644 · 88%
- Closed with monetary relief30 · 4.1%
- In progress27 · 3.7%
- Closed with non-monetary relief22 · 3%
- All other categories9 · 1.2%
| Measure | New York, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 3.70 | 5.20 |
| Closed with monetary or non-monetary relief | 7.4% | 5.6% |
| Responses marked timely | 95.8% | 94.5% |
Trend
Other products in New York
Credit reporting or other personal consumer reports · 316,557Debt collection · 11,646Credit card · 7,449Checking or savings account · 6,723Money transfer, virtual currency, or money service · 2,529Mortgage · 1,376Student loan · 1,182Vehicle loan or lease · 1,136
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints come from New York?
732 in the 12 months to 30 Sep 2026, 476 in the 12 months before and 1,553 since 2011.
Is that high for the population?
3.70 per 100,000 residents in New York against 5.20 nationally.
Which issues come up most?
“Problem when making payments” (21.7%), “Charged fees or interest you didn't expect” (17.9%), “Getting the loan” (11.7%), “Problem with additional add-on products or services” (10.2%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.